Author Topic: credit score (Read 830516 times)

ludmila · « **Reply #4100 on:** August 20, 2018, 07:55:19 PM »

Quote from: davidrotts63 on August 20, 2018, 06:49:28 PM

Banks generally don't report <30 days

+1 I was once late 2 weeks on a card I hardly use and forgot about it, it was not reported.

ChaimMoskowitz · « **Reply #4101 on:** August 20, 2018, 08:00:13 PM »

Quote from: davidrotts63 on August 20, 2018, 06:49:28 PM

Banks generally don't report <30 days

Are they allowed to?

davidrotts63 · « **Reply #4102 on:** August 20, 2018, 08:09:10 PM »

Quote from: ChaimMoskowitz on August 20, 2018, 08:00:13 PM

Are they allowed to?

Didn't think it was a legal thing. CMIIW.

ChaimMoskowitz · « **Reply #4103 on:** August 20, 2018, 08:14:43 PM »

Quote from: davidrotts63 on August 20, 2018, 08:09:10 PM

Didn't think it was a legal thing. CMIIW.

Not a legal issue but AFAIK the CRA's won't even accept it.

davidch · « **Reply #4104 on:** August 20, 2018, 08:23:20 PM »

Exactly they only report it if it’s more then 30 days past due in that case it will affect your credit.
Does citi even have a dm option or just email?

ChaimMoskowitz · « **Reply #4105 on:** August 20, 2018, 08:27:11 PM »

Quote from: davidch on August 20, 2018, 08:23:20 PM

Does citi even have a dm option or just email?

They had one yesterday.

davidrotts63 · « **Reply #4106 on:** August 22, 2018, 02:40:18 PM »

If I had a statement balance of 1k on a Chase card, and when I paid it was $1,005, will they only update if I PIF, or they will update it to $5?

noturbizniss · « **Reply #4107 on:** August 22, 2018, 03:50:26 PM »

Quote from: davidrotts63 on August 22, 2018, 02:40:18 PM

If I had a statement balance of 1k on a Chase card, and when I paid it was $1,005, will they only update if I PIF, or they will update it to $5?

Pif. The extra 5 is new statement and not reported yet

ChaimMoskowitz · « **Reply #4108 on:** August 22, 2018, 05:12:44 PM »

Quote from: davidrotts63 on August 22, 2018, 02:40:18 PM

If I had a statement balance of 1k on a Chase card, and when I paid it was $1,005, will they only update if I PIF, or they will update it to $5?

Is this mid cycle?

mec · « **Reply #4109 on:** August 22, 2018, 05:51:07 PM »

Quote from: davidrotts63 on August 22, 2018, 02:40:18 PM

If I had a statement balance of 1k on a Chase card, and when I paid it was $1,005, will they only update if I PIF, or they will update it to $5?

If it's mid cycle they will only update if the balance is paid to zero and no pending charge interferes with that zero balance during the evening's reconciliation.

davidrotts63 · « **Reply #4110 on:** August 22, 2018, 07:10:03 PM »

Quote from: ChaimMoskowitz on August 22, 2018, 05:12:44 PM

Is this mid cycle?

Yes.

Quote from: mec on August 22, 2018, 05:51:07 PM

If it's mid cycle they will only update if the balance is paid to zero and no pending charge interferes with that zero balance during the evening's reconciliation.

So there is no way to have it report $5 vs $0?

davidrotts63 · « **Reply #4111 on:** August 22, 2018, 07:44:45 PM »

anyone know how soon after a statement closing does Amex update the balance?

mec · « **Reply #4112 on:** August 22, 2018, 08:12:58 PM »

Quote from: davidrotts63 on August 22, 2018, 07:10:03 PM

Yes.So there is no way to have it report $5 vs $0?

No. Chase is poison for the $2 trick.

davidrotts63 · « **Reply #4113 on:** August 22, 2018, 08:18:58 PM »

I was pretty sure if you can schedule it right there is a way to do it, but I may be mistaken.
Need to figure out if I can get a small balance to report soon

mec · « **Reply #4114 on:** August 22, 2018, 10:49:49 PM »

Quote from: davidrotts63 on August 22, 2018, 08:18:58 PM

I was pretty sure if you can schedule it right there is a way to do it, but I may be mistaken.
Need to figure out if I can get a small balance to report soon

AFAIK, Chase either updates to zero or does not update at all. It's certainly possible there is a method I'm unfamiliar with though.

davidrotts63 · « **Reply #4115 on:** August 22, 2018, 11:08:40 PM »

Quote from: mec on August 22, 2018, 10:49:49 PM

AFAIK, Chase either updates to zero or does not update at all. It's certainly possible there is a method I'm unfamiliar with though.

Found a BOA card closing on the 28th, Did a $3 Amazon reload, hope that'll do the trick I just need it to report before the 1st.

PillanSmye · « **Reply #4116 on:** August 23, 2018, 01:59:28 AM »

Quote from: davidrotts63 on August 22, 2018, 11:08:40 PM

Found a BOA card closing on the 28th, Did a $3 Amazon reload, hope that'll do the trick I just need it to report before the 1st.

It's been stated repeatedly not to use Chase for the $2 trick. But in typical DDF fashion, lets make it more difficult than it has to be.

davidrotts63 · « **Reply #4117 on:** August 23, 2018, 09:14:54 AM »

Quote from: PillanSmye on August 23, 2018, 01:59:28 AM

It's been stated repeatedly not to use Chase for the $2 trick. But in typical DDF fashion, lets make it more difficult than it has to be.

I decided yesterday that I should have $2 report by the 1st, and I thought none of my cards are closing at the right time, so I figured that was my only option....

davidch · « **Reply #4118 on:** August 23, 2018, 12:09:26 PM »

Quote from: JACKBLUE on August 20, 2018, 03:49:41 PM

first try with the bank as a 1 time courtesy

sent them a secure message and this was their response.

Unfortunately, we do not delete information that has been reported
correctly to any credit reporting agency.

We regret not being able to accommodate your request.

any tips on what now? any point in retrying or calling them?
or better try and contact transunion...

blue29 · « **Reply #4119 on:** August 23, 2018, 06:34:48 PM »

I applied for a loan and was told my Experian Report is frozen. I did not request the freeze. I tried contacting Experian but can't get through to anyone.

Can someone please suggest what my next steps should be?

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Author Topic: credit score (Read 830516 times)