11-28-2012 02:00 PM
Virtually all CC report the statement balance to the CRAs. A few report on a certain day like the last day of the month. Some will report an additional time during the month for a change such as changing your credit limit, address change, or some other changes.
Was the balance reported something other than the last statement balance? If so, what was the company?
Most CC report the past monthly balances and about half of mine also report the amount of the actual payment so any potential lenders can see if you are carrying a balance. Your score however, is based on the reported balance.