Midcycle

[Anonymous]

Wondering if there is any way to get the following lenders to do an off cycle report:

Chase

Citibank

Capital One 

[Slabenstein]

Chase will off-cycle report whenever you have a $0 balance.  Dunno about the others.

[FinStar]

Citi does not, unfortunately.  Capital One is YEMV.

[Anonymous]

What's YEMV?

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@FinStar wrote:

Citi does not, unfortunately.  Capital One is YEMV.

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[800wannabe420]

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@Anonymous wrote:

What's YEMV?

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@FinStar wrote:

Citi does not, unfortunately.  Capital One is YEMV.

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YEMV = Your Experience May Very

[RonM21]

I'm with the above posters on this and have experienced it as well with each one. Chase always mid-cycle reported without me requesting when I paid a balance down to $0. I tried with Citi a few times and failed lol. And with Cap1 on a QS I had some time ago, once they did it and another time they told me they've never done it before 🤪