Early reporting to credit bureaus

[Anonymous]

I recently paid off my Citi credit card and would love if the $0 balance could be reported to the credit bureaus early. I know this account typically reports on the 19th of the month but I'm hoping to get it done earlier because I'm in the market for a mortgage and will be applying soon. The $0 balance should hopefully help my mortgage scores.

Does anyone know if Citi would honor such a request or which other companies would be willing to report balances early? Also, would they be willing to report any balance early or would it need to be a $0 balance?

Thanks!

[Mr_Mojo_Risin]

Yes some do. I know Discover usually does if asked. Chase will when when balance becomes zero. 

I would just call and ask if they could help you out.

[Brian_Earl_Spilner]

Yes, you can request off cycle reporting. The process varies from bank to bank as well as how long it takes. For example, cap1 can take up to 2 weeks. Target will show up as you disputed your account balance as well as take up to 3 weeks, which was the case for me.