Author Topic: Discover dispute balance  (Read 1305 times)

Offline Yehuda25

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Discover dispute balance
« 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!
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline davidrotts63

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Re: Discover dispute balance
« Reply #1 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.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline Yehuda25

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Re: Discover dispute balance
« Reply #2 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!!
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Online yelped

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Re: Discover dispute balance
« Reply #3 on: June 12, 2018, 04:26:08 PM »
Nice. Any others that do? Besides Chase.

Offline davidrotts63

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Re: Discover dispute balance
« Reply #4 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.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline Yehuda25

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Re: Discover dispute balance
« Reply #5 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!
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Online yelped

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Re: Discover dispute balance
« Reply #6 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.

Offline Yehuda25

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Re: Discover dispute balance
« Reply #7 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?
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline davidrotts63

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Re: Discover dispute balance
« Reply #8 on: June 28, 2018, 09:24:52 AM »
can one request barclays report midcycle?
I think not, but TARB
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline Yehuda25

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Re: Discover dispute balance
« Reply #9 on: June 28, 2018, 10:02:10 AM »
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline Yehuda25

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Re: Discover dispute balance
« Reply #10 on: August 04, 2018, 10:54:59 PM »
Discover worked bh, now trying barclays.
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline Yehuda25

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Re: Discover dispute balance
« Reply #11 on: December 02, 2018, 02:17:08 AM »
Discover worked bh, now trying barclays.
Barclays no go, citi worked. Trying capital one now:)
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline mmgfarb

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Re: Discover dispute balance
« Reply #12 on: December 02, 2018, 02:21:33 AM »
Anyone know if NFCU will report mid cycle?
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline Yehuda25

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Re: Discover dispute balance
« Reply #13 on: December 20, 2018, 02:09:38 AM »
Barclays no go, citi worked. Trying capital one now:)
Capital one no go:(

Classic them incompetence
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle