Those that use TransUnion for monitoring...

[Anonymous]

Are you able to get a fairly accurate idea of when all your accounts report to each of the 3 CRs?  If you have a BoA card, does it always report on day x of the month, or is it more of a range?  How long until you started noticing any patterns?

Thanks.

[MidnightVoice]

---

fraz wrote:

Are you able to get a fairly accurate idea of when all your accounts report to each of the 3 CRs?  If you have a BoA card, does it always report on day x of the month, or is it more of a range?  How long until you started noticing any patterns?

Thanks.

---

Yes if you pull every day

Don't have one from BoA, but mine all report on the statement date with the statement balance

What sort of patterns?

[MidnightVoice]

And check:

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=16021

[Anonymous]

I found for my records generally with in 10 days of closing date for EX. EQ and TU seem to have a slight delay added to that with my banks.

[Anonymous]

---

MidnightVoice wrote:

---

fraz wrote:

Are you able to get a fairly accurate idea of when all your accounts report to each of the 3 CRs?  If you have a BoA card, does it always report on day x of the month, or is it more of a range?  How long until you started noticing any patterns?

Thanks.

---

Yes if you pull every day

Don't have one from BoA, but mine all report on the statement date with the statement balance

What sort of patterns?

---

By pattern, I was referring to something like, BoA always reports the first Thursday after the 15th of the month.  Or, maybe it's more precise and they always reports on the 15th of the month (no matter if it's a weekend day or not).

Sounds like I it does what I was hoping for.  Thanks.

[smallfry]

Most have recurring patterns yes.

[Anonymous]

---

fraz wrote:

Are you able to get a fairly accurate idea of when all your accounts report to each of the 3 CRs?  If you have a BoA card, does it always report on day x of the month, or is it more of a range?  How long until you started noticing any patterns?

---

Mine are pretty spot on. My Wells Fargo VISA has a payment due date of the 19th, statement cycle close date of the 23rd, and EX usually updates the balance on either the 23rd or 24th. TU and EQ follow within a couple of days.