How can I find out when my cc report to credit bureaus?

[renclan]

Hi all! I was just checking my current report and it doesn't reflect the $2000 I have paid towards my credit cards. I guess I thought they updated them regularly. So, my question is how do I find out when they share my balances with the credit bureaus? I am trying to get everything in order before my 61st day for the Amex 3 x cli. I want to make sure it is all updated before I try for the increase. Thanks!

[bigblue7722]

Do you have credit karma and credit seasme? They are both free and should update you when your balance changes on your credit cards. 

[Imperfectfuture]

A. It's usually some days after your statement cuts with the new balance.

B. Chase reports 0 balances when they post mid cycle.

C. I've had great success calling and asking the companies involved.

D. They show up faster on experian, slower on others (TU can take up to two weeks).

[skigirl916]

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@bigblue7722 wrote:

Do you have credit karma and credit seasme? They are both free and should update you when your balance changes on your credit cards. 

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No no no no.

CK and CS have access to your credit balances live-time because in using those services, you've provided your log in and password for each account and have signed on with each account - you've granted it access to see what your balances are on all your cards in live time.

This is entirely different from when your creditors report to one of the three CRAs. 

Typically, they report around the statement date. I've noticed recently that Barclay reports the day before the statement cuts, for example.

[Imperfectfuture]

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@skigirl916 wrote:

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@bigblue7722 wrote:

Do you have credit karma and credit seasme? They are both free and should update you when your balance changes on your credit cards. 

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No no no no.

CK and CS have access to your credit balances live-time because in using those services, you've provided your log in and password for each account and have signed on with each account - you've granted it access to see what your balances are on all your cards in live time.

This is entirely different from when your creditors report to one of the three CRAs. 

Typically, they report around the statement date. I've noticed recently that Barclay reports the day before the statement cuts, for example.

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Ski, he was referring to the updates from the credit bureaus, not updates from the card companies themselves.  When CK updates each week, it shows what the credit report shows (mostly).  And the current balances after the CR updates.  Just an FYI.

[bigblue7722]

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@skigirl916 wrote:

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@bigblue7722 wrote:

Do you have credit karma and credit seasme? They are both free and should update you when your balance changes on your credit cards. 

---

No no no no.

CK and CS have access to your credit balances live-time because in using those services, you've provided your log in and password for each account and have signed on with each account - you've granted it access to see what your balances are on all your cards in live time.

This is entirely different from when your creditors report to one of the three CRAs. 

Typically, they report around the statement date. I've noticed recently that Barclay reports the day before the statement cuts, for example.

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lol i have never given CK or CS my log in for any of my credit cards i have no idea what you are talking about. Maybe you are thinking of mint??

[renclan]

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@bigblue7722 wrote:

Do you have credit karma and credit seasme? They are both free and should update you when your balance changes on your credit cards. 

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Yeah I have CK, but it still shows the old balances. 

[bigblue7722]

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@renclan wrote:

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@bigblue7722 wrote:

Do you have credit karma and credit seasme? They are both free and should update you when your balance changes on your credit cards. 

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Yeah I have CK, but it still shows the old balances. 

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Im not sure what you mean by the old balances? Like the balances you had before the cards where paid? If thats the case just give it time to update. It probably wont be till your FEB statement cuts and they report in march.

[Anonymous]

give it sometime

[renclan]

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@bigblue7722 wrote:

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@renclan wrote:

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@bigblue7722 wrote:

Do you have credit karma and credit seasme? They are both free and should update you when your balance changes on your credit cards. 

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Yeah I have CK, but it still shows the old balances. 

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Im not sure what you mean by the old balances? Like the balances you had before the cards where paid? If thats the case just give it time to update. It probably wont be till your FEB statement cuts and they report in march.

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Yeah, by old balances, I am referring to the higher balances before I paid $2000 off. So my overall credit card debt should be 25% lower now. I guess I will have to wait for the statements to cut.