So, Citi seems to be quick to report. My Best Buy card reported about 2 weeks after account opening, while the Custom Cash reported today, at just under 1 week since account opening (6 days). This did boost my scores, as I have not gotten the card yet and have $0 bal, but it did bump my TCL and lowered my agg util: Screenshot_20211216-193404_Experian.jpg Crossing that util threshold bumped my scores up! Screenshot_20211216-194828_Experian.jpg Screenshot_20211216-193755_Experian.jpg Other score changes: Screenshot_20211216-193426_Experian.jpg Screenshot_20211215-094314_Experian.jpg EX 2: 652 > 665 (+13pts) Auto F8: 714 > 719 (+5pt) Auto EX2: 694 >698 (+4pts) BCE F8: 708 > 714 (+6pts) BCE EX3: 666 > 673 (+7pts) BCE EX2: 656 > 663 (+7pts) Clearly this reduction in agg util really bumped up my EX2, even though this was a new account reporting. According to EX, my AAoA changed: Screenshot_20211216-193346_Experian.jpg
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Custom Cash reported in just 6 days from account opening!

1 of 4
3 years ago
Thu Dec 16, 2021 7:51 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level33 Last INQThursday, December 9, 2021 Gardening For2 years, 9 months, 7 days, 13 hours, and 31 minutes Next Level in22 days, 10 hours, and 29 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 31 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 31 minutes ago
So, Citi seems to be quick to report. My Best Buy card reported about 2 weeks after account opening, while the Custom Cash reported today, at just under 1 week since account opening (6 days). This did boost my scores, as I have not gotten the card yet and have $0 bal, but it did bump my TCL and lowered my agg util:
Screenshot_20211216-193404_Experian.jpg 213.01 KiB Viewed 59 times
Crossing that util threshold bumped my scores up!
Screenshot_20211216-194828_Experian.jpg 64.34 KiB Viewed 59 times
Screenshot_20211216-193755_Experian.jpg 153.33 KiB Viewed 59 times
Other score changes:
Screenshot_20211216-193426_Experian.jpg 193.16 KiB Viewed 59 times
224.56 KiB Viewed 59 times
EX 2: 652 > 665 (+13pts) Auto F8: 714 > 719 (+5pt) Auto EX2: 694 >698 (+4pts) BCE F8: 708 > 714 (+6pts) BCE EX3: 666 > 673 (+7pts) BCE EX2: 656 > 663 (+7pts) Clearly this reduction in agg util really bumped up my EX2, even though this was a new account reporting. According to EX, my AAoA changed:
Screenshot_20211216-193346_Experian.jpg 104.63 KiB Viewed 59 times
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: Custom Cash reported in just 6 days from account opening!

2 of 4
3 years ago
Thu Dec 16, 2021 8:28 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 31 minutes Next Level in6 days, 10 hours, and 29 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 31 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 31 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 31 minutes ago
That is a really quick reporting! Not sure I've seen Citi that fast before.

Definitely cool that it dropped your aggregate utilization enough to give you back some Fico points!
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Re: Custom Cash reported in just 6 days from account opening!

3 of 4
3 years ago
Fri Dec 17, 2021 1:49 pm
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aj2121
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aj2121 has been gardening for over 2 years.
Level28 Last INQSaturday, April 23, 2022 Gardening For2 years, 4 months, 24 days, 13 hours, and 31 minutes Next Level in6 days, 10 hours, and 29 minutes on September 23rd INQ 1yr onSunday, April 23, 2023 INQ 1yr reached1 year, 4 months, 24 days, 13 hours, and 31 minutes ago INQ 2yr onTuesday, April 23, 2024 INQ 2yr reached4 months, 24 days, 13 hours, and 31 minutes ago
My Custom Cash also reported very quickly. I think it actually reported before I received the card. haha

Just went back to double check this and I was approved for the custom cash on 10/20, it reported to Experian on 10/24 and I received a notification on 10/28 that the card was mailed to me. So, Citi was definitely quick to report!!
aj2121
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  • Score data FICO8 EX: 715 EQ: 724 TU: 735
    As of 4/6/22
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Re: Custom Cash reported in just 6 days from account opening!

4 of 4
3 years ago
Sun Dec 19, 2021 2:50 pm
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AllZero
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AllZero has been gardening for over 2 years.
Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 21 days, 13 hours, and 31 minutes Next Level in9 days, 10 hours, and 29 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 21 days, 13 hours, and 31 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 21 days, 13 hours, and 31 minutes ago
Thank you for sharing the data points. Useful information in regards how to plan one's future applications if going on an app spree. That is definitely quick reporting. Almost to the level of Synchrony.

Glad to see you got a score boost with the reduced aggregate utilization.
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