Regular Contributor
Posts: 208
Registered: ‎04-14-2009

Capital One reports twice

I pulled my credit the day after my capital one statement printed.   The balance that was reported as my capital one balance (+$900) was my balance at the end of last month.  I paid my balance down to $100 (of a $2250 limit) before my statement cut.   My credit score was 661. 


I was under the impression that cap one reported when the statement cut so I just pulled my report again today - a week later - my balance is now showing as $100 and a score of 672.  ( I don't usually pull this often.  It's usually just once every 3 months or so)


So it looks like cap one reports to the bureaus twice - at the end of the month and a few days after your statement cuts.



Starting Score: 580
Current Score: 676
Goal Score: 700+

Take the FICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+