How does discover cli works?

[DI]

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@Anonymous wrote:
I am getting prepped to hit the IVR again. However, since Discover reports CLI's to the CRB's immediately I want to do their's last. Citi's is done. I think I need to call Macy's about the Visa CL next, but I want to use my store account first. (Store account not used much these days!)

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Discover never reported my CLI's immediately.  It took them a full billing cycle to update my new line.  I received the last CLI on 1/6 and it's still not updated. My line stil says $3400 instead of $4100.

Date Opened:
07/2009 Date of Status:
01/2010 Reported Since:
07/2009 Last Reported Date:
01/2010
Type:
Revolving Terms:
N/A  Monthly Payment:
$15 Responsibility:
Individual 
Credit Limit:
$3,400 High Balance:
$203  Recent Balance:
$0 Recent Payment:
$0  

Message Edited by DI on 01-17-2010 12:16 PM

Message Edited by DI on 01-17-2010 12:16 PM

[Anonymous]

Add/Delete an AU, or change something in your profile info and they tend to udate CR info quicker - mid-cycle.

[DI]

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@Anonymous wrote:

Add/Delete an AU, or change something in your profile info and they tend to udate CR info quicker - mid-cycle.

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So we can do that with Discover too?  I'm on it!

[Anonymous]

I don't have the same specifics on Discover, except that in the process of me adding and deleting AU's and/or updating address/phone info, Discover has reported mid-cycle updates.

SO...it may be possible to force mid-cycle update on Discover too....I just don't have the exact menu ingredients to guarantee the result and what the exact timeframes are.

Anyone who wants to test and report....WELCOME to challenge!

[Anonymous]

Remember, DI, you are on a different from normal CLI program. It has been most people's experience that the IVR initiated CLI's are reported mid-cycle.

[DI]

I just updated my address with the same information and added a work number.  Hope it works.  I also went ahead and did the same with my Kroger 123 card. 

[Anonymous]

This is also a good way of getting another address on your CBR. Just change your address - wait a few days - change it back. I can think of a few reasons why you might want to do that, but I'm only going to mention one of them here: To solve AU reporting problems!

[DI]

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@Anonymous wrote:
This is also a good way of getting another address on your CBR. Just change your address - wait a few days - change it back. I can think of a few reasons why you might want to do that, but I'm only going to mention one of them here: To solve AU reporting problems!

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Are you saying one should add an AU's home address to appear on one's credit reports?

[Anonymous]

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@DI wrote:

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@Anonymous wrote:
This is also a good way of getting another address on your CBR. Just change your address - wait a few days - change it back. I can think of a few reasons why you might want to do that, but I'm only going to mention one of them here: To solve AU reporting problems!

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Are you saying one should add an AU's home address to appear on one's credit reports?

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Only if the AU TL is not reporting and you would like to get it to report. Having the AU's address on your CBR might solve the problem.

[Anonymous]

Of course once you force another address to appear on your CBR it's going to remain there pretty much forever...