Established Contributor
Posts: 760
Registered: ‎02-11-2012
Re: Utilization Theories

Experian shows your hightest unpaid balance monthly and the amount paid. So if you view the report it shows the statement amount reported and next month it shows the payment (one month behind) with the new outstanding balance reporting as well. So Yes, the Creditors see not only your history but your payment amounts as well.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)

Remember the Three P's: Pay early in Full, Pay on Time, Patience