new reporting practices for Discover?

[lg8302ch]

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@BootStraps wrote:

Discover hasn't updated for me at all since the end of February.

Bummer since I got a CLI in April.

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Same for me.. got a CLI on 02/03 and the new CL got reported 04/03 ... March they skipped completely but when they did report it was always the statement balance in the past.

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[lg8302ch]

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@Bluedog23 wrote:

For whatever reason, Discover has not reported for me since March 2 --- a 62.00/ 5000 balance ( used the card too close to closing date with some pendings out there) Somehow I managed to have a similar small balance report for April closing. Paid to zero balance for May closing. No update on CRA since March. Annoying, really because the new myFico scoring,dropped,me 7 points in April for having too many cc with a balance. Strange, two cc report in  March and score stays at 745. Very next month in April with balances the same except for maybe 10.00 change and I get dinged for too many cards with balances (that's 2/5 cards). Just wish Discover would update so maybe I can get my score,back to 745. Can't be too mad at Discover though since I got a sp CLI  5000 to 8000 on May 2.

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Congrats on your CLI. I would not expect a reporting the month you get a CLI... Discover has often completely omitted the reporting in the month where there was a CLI.

[lg8302ch]

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@-Wade- wrote:

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@lg8302ch wrote:

In the past Discover always reported the statement balance for me but this month it got a random amount and not what was on the statement balance. (Noticed because I needed a 0 balance reporting this month )  Discover explained me that they report the account balance on the last business day of the month   Is this new? Anybody else noticed this lately?

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For me Discover reported as they always do on the 9th of each month.

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Thanks. 10 months out of 12 months I could not care less on what Discover reports or does not report but May and November I wanted zero balance .. ..I guess I gambled with the wrong lender for this util manipulation.

[lg8302ch]

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@cclee wrote:

Mine has always reported the statement balance unless my statement cut on a weekend, then it reported whatever the balance was on the following business day.  They will also skip the month that you get CLI.

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hmm...05/03 was my statement cut date and this was a Saturday.....so they reported the balance on 05/05 instead ?  The CRA have the date 05/07 ..Good to know. As for the CLI I can confirm this happended to me too..no reporting in March as CLI in February billing cycle. Thanks for this info.

[axledobe]

They recently skipped reporting two months on me. I think something's going on. Not sure what, however. 

[lg8302ch]

Update:  Discover offered an off-cycle reporting but this time again it got with a random amount.... ... give up with Discover 0 balance reporting is a mission impossible it looks. Statement balance of (-19.10$) got reported +15$ and off-cycle report with yesterdays balance of (-29,74$) got reported with +68$... nobody knows where these amounts come from but since all 3 credit bureau report the same funny amounts it looks that the Discover reporting is  with random amounts and not the actual account balance. Well if I ever want to try to report 0 balance on all but 1 account it will have to be the Discover account with the balance as the zero balance  reporting simply does not work on Discover account and failed twice now.

[Bluedog23]

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@lg8302ch wrote:

Update:  Discover offered an off-cycle reporting but this time again it got with a random amount.... ... give up with Discover 0 balance reporting is a mission impossible it looks. Statement balance of (-19.10$) got reported +15$ and off-cycle report with yesterdays balance of (-29,74$) got reported with +68$... nobody knows where these amounts come from but since all 3 credit bureau report the same funny amounts it looks that the Discover reporting is  with random amounts and not the actual account balance. Well if I ever want to try to report 0 balance on all but 1 account it will have to be the Discover account with the balance as the zero balance  reporting simply does not work on Discover account and failed twice now.

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Have to agree with this. tried two months in a row to get zero to report. So, Discover will have to be my 1-9% card for a bit .

[C24Webb]

This thread is a bit disappointing.  I wonder why they don't report a CLI on the next statement... Otherwise, they have been great for me so far.

I'll be requesting a CLI tomorrow on my it and was planning on requesting one with USAA and Chase after that increase reported.  I would have had a zero balance last month if I knew about this a bit sooner.  More waiting, I suppose.

On the other hand, I recently received a CLI from GE the day before my statement cut, and that new limit was reported the next day (along with my statement balance, as usual).  

[lg8302ch]

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@C24Webb wrote:

This thread is a bit disappointing.  I wonder why they don't report a CLI on the next statement... Otherwise, they have been great for me so far.

I'll be requesting a CLI tomorrow on my it and was planning on requesting one with USAA and Chase after that increase reported.  I would have had a zero balance last month if I knew about this a bit sooner.  More waiting, I suppose.

On the other hand, I recently received a CLI from GE the day before my statement cut, and that new limit was reported the next day (along with my statement balance, as usual).  

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Good luck with your CLI. If it does not get reported on your next statement/reporting  you can call Discover and ask for an off-cycle report. Just not sure if it would report the new CL as the zero balance does not get reported when the balance is negative but worth a try anyhow Discover does not mind an off-cycle reporting and it is done in seconds on the phone....for me next day appeared on the CR just not with the amount I needed.....LOL...their reporting flunked for my needs.

[C24Webb]

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@lg8302ch wrote:

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@C24Webb wrote:

This thread is a bit disappointing.  I wonder why they don't report a CLI on the next statement... Otherwise, they have been great for me so far.

I'll be requesting a CLI tomorrow on my it and was planning on requesting one with USAA and Chase after that increase reported.  I would have had a zero balance last month if I knew about this a bit sooner.  More waiting, I suppose.

On the other hand, I recently received a CLI from GE the day before my statement cut, and that new limit was reported the next day (along with my statement balance, as usual).  

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Good luck with your CLI. If it does not get reported on your next statement/reporting  you can call Discover and ask for an off-cycle report. Just not sure if it would report the new CL as the zero balance does not get reported when the balance is negative but worth a try anyhow Discover does not mind an off-cycle reporting and it is done in seconds on the phone....for me next day appeared on the CR just not with the amount I needed.....LOL...their reporting flunked for my needs.

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Thanks for the luck and the tip!  I'll likely ask them to report if the new CL doesn't show up (assuming I'm approved), as I have other plans I'd like to move forward with