@masscredit wrote:My Walmart statement closed on the 21st. I changed the closing date last month. I thought that change was going to happen the following month but it didn't so the statement closed with a $39. balance (rare time that I've had two cards report a balance during the month). I received notification this afternoon that said there was a balance decrease on the card. So it was already being reported 3 days after the statement closed. I'm waiting to see if I get a score change notification. Don't know if having a second card report a balance was costing me a few points.
What can trigger a mid-cycle update? I've had some cards report a CLI mid-cycle. I don't think I've seen any report a balance update early.
Using some large percentage of a BOFA tradeline suddenly when that is not your normal use pattern, can trigger an update anecdotally. Paid a tuition bill one month on it and it updated nearly immediately afterwards.
Other lenders I've heard will do a midcycle update sometimes but I've not experienced it first hand.
