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DansDeals Forum => Credit Cards => Topic started by: Yehuda25 on June 12, 2018, 04:00:44 PM

Title: Discover dispute balance
Post by: Yehuda25 on June 12, 2018, 04:00:44 PM
I by mistake let my discover card close with a large nearly 20k balance, which is hammering my credit score now.

I plan to get a lease this month, and am nervous that it will affect the rate.

If I pay it now, can i call them and have them dispute it with the credit bureaus?

How long does the whole process take?


Thanks!
Title: Re: Discover dispute balance
Post by: davidrotts63 on June 12, 2018, 04:06:37 PM
I by mistake let my discover card close with a large nearly 20k balance, which is hammering my credit score now.

I plan to get a lease this month, and am nervous that it will affect the rate.

If I pay it now, can i call them and have them dispute it with the credit bureaus?

How long does the whole process take?


Thanks!
Discover is one of those lovely banks that report mid cycle by request!
Make the payment, and send a message or call and it should reflect on your credit report within a week, generally within 2 days.
Title: Re: Discover dispute balance
Post by: Yehuda25 on June 12, 2018, 04:08:03 PM
Discover is one of those lovely banks that report mid cycle by request!
Make the payment, and send a message or call and it should reflect on your credit report within a week, generally within 2 days.
Thanks!!
Title: Re: Discover dispute balance
Post by: yelped on June 12, 2018, 04:26:08 PM
Nice. Any others that do? Besides Chase.
Title: Re: Discover dispute balance
Post by: davidrotts63 on June 12, 2018, 04:55:46 PM
Nice. Any others that do? Besides Chase.
Chase does it automatically when PIF. Amex does it as requested as well. Citi/BoA deny it. And IINM Barclays will update at random, but not with any pattern.
Title: Re: Discover dispute balance
Post by: Yehuda25 on June 12, 2018, 06:36:58 PM
Discover is one of those lovely banks that report mid cycle by request!
Make the payment, and send a message or call and it should reflect on your credit report within a week, generally within 2 days.
called them and made a payment via phone (5pm est cutoff) rep said he will tomorrow when it posts will notify the CB's. He said it'll be off by Friday. BH!
Title: Re: Discover dispute balance
Post by: yelped on June 13, 2018, 01:48:47 AM
Chase does it automatically when PIF. Amex does it as requested as well. Citi/BoA deny it. And IINM Barclays will update at random, but not with any pattern.
Thanks.
Title: Re: Discover dispute balance
Post by: Yehuda25 on June 28, 2018, 02:14:49 AM
Chase does it automatically when PIF. Amex does it as requested as well. Citi/BoA deny it. And IINM Barclays will update at random, but not with any pattern.
can one request barclays report midcycle?
Title: Re: Discover dispute balance
Post by: davidrotts63 on June 28, 2018, 09:24:52 AM
can one request barclays report midcycle?
I think not, but TARB
Title: Re: Discover dispute balance
Post by: Yehuda25 on June 28, 2018, 10:02:10 AM
I think not, but TARB
ok thanks
Title: Re: Discover dispute balance
Post by: Yehuda25 on August 04, 2018, 10:54:59 PM
Discover worked bh, now trying barclays.
Title: Re: Discover dispute balance
Post by: Yehuda25 on December 02, 2018, 02:17:08 AM
Discover worked bh, now trying barclays.
Barclays no go, citi worked. Trying capital one now:)
Title: Re: Discover dispute balance
Post by: mmgfarb on December 02, 2018, 02:21:33 AM
Anyone know if NFCU will report mid cycle?
Title: Re: Discover dispute balance
Post by: Yehuda25 on December 20, 2018, 02:09:38 AM
Barclays no go, citi worked. Trying capital one now:)
Capital one no go:(

Classic them incompetence