Do they report only charges that are posted or do they report pending charges as well? I have 2 CC that report today and tomorrow and I'm trying to get them to report a $0 balance and pay them off, but I'm not able to because most of the charges are pending from a trip I took out of town last week. (ugh bad timing but both of my major CC report at the same time) I was planning to use my DC but the # was compromised while I was out of town and my checking account wiped out. 
