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Surprise Mid-Cycle Discover Report

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Frequent Contributor

Surprise Mid-Cycle Discover Report

I'm sure this isn't news to those of you with experience in credit, but for newbies like myself this could be useful information. I received an alert to credit changes yesterday. I was caught with my pants down when Discover did a mid-cylce report! My util was high as I hadn't paid it yet, knowing my statement closes on the 19th. My scores fell several points. When I called to find out what the frickety-frack was going on, the rep informed me that any changes to my account would trigger a report, including adding an authorized user (which was what happened in my case.) I did a bank push for PIF and the rep assured me Discover would still do my post-statement report on the 20th and that would reflect the $0 balance bringing my utilization back down. 

While on the phone with her, I went ahead and added money to my secured deposit. She informed me it would take 8 days to pull from my bank and post to the account, triggering another report because this was an additional change to the account. 

I hope this helps someone. Had I known this would happen, I would've paid my account in full, added the additional funds, waited for them to post, then added my adult daughter as an AU. I have so much to learn, but I'm getting there. 



Message 1 of 9
8 REPLIES 8
Contributor

Re: Surprise Mid-Cycle Discover Report

Had same experience last week with discover.  I added a authorized user and it reported also my current balance at the time in the middle of the cycle.  

Rebuild Begin - Fico 8 Scores
November 2016 tu 610 ef 588 ex 601
June 2018 tu 734 eq 735 ex 727
174,500 total revolving
Message 2 of 9
Established Contributor

Re: Surprise Mid-Cycle Discover Report

They will also off cycle report upon request just fyi.
Message 3 of 9
Frequent Contributor

Re: Surprise Mid-Cycle Discover Report

Thank you very much for this information!  Planning on adding an AU to my card and glad I didn't when I first thought of it with the card maxed out.  lol

BK7 Discharged 12/16


EQ8/9: 696/730 | TU8: 738 | EX8: 733
Message 4 of 9
Senior Contributor

Re: Surprise Mid-Cycle Discover Report

This was very helpful information. Thank you for sharing!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 5 of 9
Frequent Contributor

Re: Surprise Mid-Cycle Discover Report


@601flyguy wrote:
They will also off cycle report upon request just fyi.

This is good information to know, thank you!



Message 6 of 9
Established Member

Re: Surprise Mid-Cycle Discover Report

The same thing happened to me after a CLI.
01/30/19 FICO 8: EX 728
01/30/19 FICO 8: TU 772
12/15/18 FICO 8: EQ 750

Message 7 of 9
Member

Re: Surprise Mid-Cycle Discover Report

Thank you for this information! This helped me out! 

Starting Score: EX: 702 TU: 712 EQ: 684
Current Score: EX: 702 TU: 712 EQ: 688
Goal Score: 800+


Take the myFICO Fitness Challenge


Message 8 of 9
Established Contributor

Re: Surprise Mid-Cycle Discover Report


While on the phone with her, I went ahead and added money to my secured deposit. She informed me it would take 8 days to pull from my bank and post to the account, triggering another report because this was an additional change to the account. 


Is it a hard pull when you do this? 




Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = Very Low 400's
8-1-18 -
12-24-18 -
12-1-19 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, FuelMan .8K, Citi Tractor Supply Rev .8k, Builder Pro 5.4K, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG | AMEX Biz Gold NPSL
Message 9 of 9
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