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Capital One report date???

Member

Capital One report date???

Do they have a specific date they report each month?  I recently paid the balance of this card down to $0.  I still use the card monthly for purchases and pay the balance off.  But my latest CR shows the $2000 that I used even though I paid it off well before the due date.  I just want to catch the right date each month so that I can have it reporting 5%-9% and maximize my scores.  

Jan 2009 - EX-570 TU-571 and EQ-573
Feb 2011 - EX-609 TU-675 and EQ-634
May 2011 - EX 654 TU-700 and EQ-681
Message 1 of 11
10 REPLIES
Valued Contributor

Re: Capital One report date???

It reports on the statement date.  Usually 3-4 days after the due date on your payment. 

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 2 of 11
Member

Re: Capital One report date???

awesome!  Thanks for the info!

Jan 2009 - EX-570 TU-571 and EQ-573
Feb 2011 - EX-609 TU-675 and EQ-634
May 2011 - EX 654 TU-700 and EQ-681
Message 3 of 11
Established Contributor

Re: Capital One report date???

The trick to this success is to make sure that you pay before your due date, of course, but you cannot begin to make new purchases for a few days until you've passed your statement end date.

Message 4 of 11
Contributor

Re: Capital One report date???

.,?!!! Well which one is it the statement day OR payment day!?

My Wallet:

Amex Zync - NPSL
Capital one - Secured $600 (soon to be axed)
Discover More - $1000

Take the FICO Fitness Challenge
Message 5 of 11
Senior Contributor

Re: Capital One report date???


New2score wrote:
.,?!!! Well which one is it the statement day OR payment day!?


It reports right after the statement closing date. 

Message 6 of 11
Valued Contributor

Re: Capital One report date???

Actually, mine is a little different.

 

For me, my due date is 13th of every month. My new statement starts at the 17th. Capital One reports to CRAs at the 20th.

Message 7 of 11
Member

Re: Capital One report date???

I researched my past reports/statements and it looks like for me it reports on the statement date.  I can see the balance and the statement on the 8th (for me) match up exactly for the past few days.  That will help me for when we lock in our interest rates on our mortgage next month.

 

Thanks!

Jan 2009 - EX-570 TU-571 and EQ-573
Feb 2011 - EX-609 TU-675 and EQ-634
May 2011 - EX 654 TU-700 and EQ-681
Message 8 of 11
Frequent Contributor

Re: Capital One report date???

My due date is the 23rd of the month and the new statement prints on the 26th.  Should I wait to pull my credit report after the 26th?  Thanks!

myFICO starting TU 683 8/26/11
myFICO starting EQ 645 8/26/11
myFICO EQ 652 9/26
Message 9 of 11
Senior Contributor

Re: Capital One report date???


mamahearts wrote:

My due date is the 23rd of the month and the new statement prints on the 26th.  Should I wait to pull my credit report after the 26th?  Thanks!



Wait til atleast the 29th takes a few days for the CRA to update

Message 10 of 11