Jump to content
Member? but forgot everything, can't log in... Frozen out??? ×

POLITICAL POSTS WILL GET YOU BANNED

Glacial... Slowness...

racer7949

By racer7949,
in Credit Forum

 Share Followers 0

Recommended Posts

racer7949

racer7949

Posted
Posted

Earlier this month I was fortunate enough to be able to take care of some obligations - it's a big chunk of everything and I'm looking forward to (hoping for?) a nice score bump.

 

Of course, my timing was horrible and all the payments came through just after the closing date, so now I have to wait an entire billing cycle to see the effects (which will be the 1st or 2nd week of October). Time is moving sloooowly...

 

I just wish they would report when the payment was made instead of waiting the full billing cycle - that is, I wish credit reporting was in real time and not batch cycle.

Link to post
Share on other sites

TheVig

TheVig

Posted
Posted
5 hours ago, racer7949 said:

Earlier this month I was fortunate enough to be able to take care of some obligations - it's a big chunk of everything and I'm looking forward to (hoping for?) a nice score bump.

 

Of course, my timing was horrible and all the payments came through just after the closing date, so now I have to wait an entire billing cycle to see the effects (which will be the 1st or 2nd week of October). Time is moving sloooowly...

 

I just wish they would report when the payment was made instead of waiting the full billing cycle - that is, I wish credit reporting was in real time and not batch cycle.

 

There are pros and cons to this. It's different for everyone.

Link to post
Share on other sites
hdporter

hdporter

Posted
Posted

Right there with you buddy!  :)

 

Last week I refi'd $8k that was on a credit card 4.9% APR promo (no fee) into a 3.9% installment loan (plug for LIghtStream loans, now a sub of Truist, for the great unsecured rate!)

 

I'm looking for a mortgage score improvement on Bev's FICO's, which was being suppressed (in part) by $16k+ in revolving balances.  And, yes, most glaciers will likely move close to an inch in the time it take for this info to cycle through to her credit reports ...

 

With respect to your situation, some report success with forcing a creditor update by calling and requesting one.  More often than not, the request falls flat.

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

×
 Share
Followers 0
Go to topic listing

  • Similar Content

    • laina1978
      Net30
      By laina1978
      Hey trying to help my boyfriend build his business and I am having a hard time with tier 1-net 30. 
       
      So far he had Uline 
      but Quill didnt have an option 
       
      He did newegg  and cleanitsupply.
      He tired to do Supplyworks but that didnt give an option. 
       
      If anyone can send updates list please with success we want at least 5 tier 1 Net 30;s. 
       
       
    • Kiai
      Fico 9 NFCU
      By Kiai
      Is that a legit score?  Why is it so different from Fico 8?
    • Menta33
      Chex Freeze Automatically Lifted after 5 Years
      By Menta33
      I just discovered that my Chex Security Freeze was removed after seeing on my TransUnion report, in the supplemental information section, info about Chexsystems and checking account inquiries.
       
      I called them up and they informed me that previously they automatically cancelled your security freeze after 5 years, but their policy has now changed and they are now permanent. I explained removal without my permission sounded like a violation of California state law.
       
      I had to call their freeze department at 800-887-7652 and request a new security freeze be added to my credit report again.
    • Vipplaya
      Free Credit Report Monitoring - Experian
      By Vipplaya
      What site does free credit monotoring from experian?
       
      I know Credit Karma is for Equifax and Transunion. 
    • PatrickMetro
      Experian has a specialist on my account number and will not remove addresses.
      By PatrickMetro
      Experian has a specialist on my account and will not remove old addresses.    I just disputed some items to try to remove the attachments to one of the old address as a test.  EX said online when I just checked:  This Address was reported to Experian by XXXXxxx and 15 other companies (you can click on the link and get the names). Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at 1-855-414-6048.   I informed them that I am now going to also look at the record @LexisNexis.com to see if I could scare them (DID NOT WORK) and also said how can you verify a record that is not complete as per the Bankruptcy Courts and LexisNexis.
       
      I will keep writing letters and never give up of course but we will see. I was thinking that holidays time would be best for reps in the USA (mine at Experian would be in the mood to play nice or on holiday so I could find someone new.)
       
      I did get TU and EQ to remove all the address attached to bad credit after calling over the last 5 workdays with TU and EQ was Immediate (THIS was DONE BY PHONE).    I am now sending the remove letters to TU and EQ that no longer have address attachments.
       
      HOW to get the Free credit reports for TU and EQ I get from my CreditKarma.com and pulling up credit report under the bar graph and clicking on the 2 different companies and again clicking on the credit report tab.  This is a great tool for verifications of removes once you understand the format  (this updates every 4 or 5 days so you have to wait for that).
       
      How to get a Free Credit report for Experian is by getting the free account and if you navigate around long enough you can find all of your credit report for verifications as needed.  ( this updates quickly most of the time )
       
      855-414-6048 to dispute on the phone with Experian.  Anyone want to call Sam directly at Experian and give him a busy day 469-675-5039 maybe he will quit!
       



  • Member Statistics

    • Total Members
      183,025
    • Most Online
      2,046
    LewisThomas
    Newest Member
    LewisThomas
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.

Pages

×
×
  • Create New...

Important Information

Guidelines

  I accept