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MBNA Reporting/Statement Date

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FrugalRican
Blogger

MBNA Reporting/Statement Date

Just spoke to an MBNA (BoA, really) rep that told me that my statement date was Feb 11th.

Now I already knew that, but I wanted to make sure what the reporting date to the CA's was because I wanted to pull up my credit report a few days after.

Util in January was 36%, February should have me at 27.7%...

 

According to him the reporting date is the same as the statement date, is this about right? Am I safe to do it tonight on the 15th or should I wait an extra few days?

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 1 of 7
6 REPLIES 6
namvet
Established Contributor

Re: MBNA Reporting/Statement Date

Most creditors will report to the credit bureaus on the statement date. 

Message 2 of 7
visorboy1974
Valued Contributor

Re: MBNA Reporting/Statement Date

You should be safe.  I usually get updated on EX the day after (12th), then EQ (13th) and finally TU (14th or 15th).  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 3 of 7
FrugalRican
Blogger

Re: MBNA Reporting/Statement Date

Okay, I'm going through Equifax and TU tonight.

So I'll give it a shot. I didn't know if the fact that the 11th was a Saturday mattered at all or not.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 4 of 7
namvet
Established Contributor

Re: MBNA Reporting/Statement Date


In the electronic world saturday is just like any other day. 
Message 5 of 7
FrugalRican
Blogger

Re: MBNA Reporting/Statement Date

Gotcha!

I work at a bank, so, Saturdays for me = Mondays Smiley Sad

And then sometimes things won't get hard posted til Tuesday.

 

So my world is a little weirder.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 6 of 7
namvet
Established Contributor

Re: MBNA Reporting/Statement Date


LOL....i bet it is!  My DW is in that business!

Message 7 of 7
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