NFCU CLOC reporting?

shakalaka · ‎07-03-2016

Mods please move, if it is in the wrong part of the Forum.

Hm, my CLOC reported today the first time. Statement date was 6/26 with 0 balance, but it reported my balance from 6/30. Is this normal for CLOC? Sorry if this has been asked before.

And not complaining, I even gained points with the new CLOC reporting 3% UTIL Just wanted to find out, when to PIF for reporting 0 balance.

Thanks all

FICO (TU/EX/EQ): 773/766/778 - Total CL 255+K

RonM21 · ‎07-04-2016

Nice that the score.still jumped. I don't have any experience with their CLOC to know for sure what the standard is for them. Maybe try searching the threads. Someone probably has discussed this somewhere along the line.

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

Anonymous · ‎09-28-2016

The CLOC reports with the Credit bureau? Didn't know this. Very interesting.

Anonymous · ‎09-28-2016

@shakalaka wrote:
Mods please move, if it is in the wrong part of the Forum.

Hm, my CLOC reported today the first time. Statement date was 6/26 with 0 balance, but it reported my balance from 6/30. Is this normal for CLOC? Sorry if this has been asked before.

And not complaining, I even gained points with the new CLOC reporting 3% UTIL Just wanted to find out, when to PIF for reporting 0 balance.

Thanks all

This is correct, your statement cuts on 6/26 same as your regular checking but whatever is your balance at the end of the month will be what is reported.