11-08-2012 09:19 AM
I was just viewing my Credit Karma. My JCP statement closes on the 2nd. I close to paid it off on the 4th. The balance on the 2nd was showing last week and now the new lower balance is being reported. I thought they all report the statement balance a few days after the statement closes and that is it until the next month.
11-08-2012 09:20 AM
11-08-2012 09:24 AM
True. But I plan my purchases/card use based on when cards close/report. So a card that closed on the 30th is getting use the beginning of the month and then I'll start using one after another one closes on the 14th. Then I pay accordingly to lower utilization even more when I'm either going to app for new credit or request a CLI.
11-08-2012 09:28 AM
11-08-2012 09:42 AM
When I **bleep** called AMEX to ask about when they **bleep** report **bleep** to the **bleep** credit bureaus, they told me they didn't know and if they did know, they couldn't tell me for security purposes. **bleep**, I was able to get them to tell me they report around the **bleep** (4th) to sixth (6th). I think this is true **bleep** my CSP also as my statement closes on the seventh (7th).
**bleeps** were added for effect....sorry, but I **bleep** with all the hoopla about them, I should see a few myself
11-08-2012 10:10 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.