topic Re: When does Chase report? in General Credit Topics

When does Chase report?

EAJuggalo — Sun, 28 Feb 2016 03:00:46 GMT

Statement closed this morning on my new Chase Freedom. I need one of my new accounts to report to the CRAs so I get a credit score. Anybody know how soon after statement cut Chase reports? Somewhat surprised that the statement cut on the Freedom that I was only approved for on the 8th rather than one of the Cap One cards I was approved for on Jan. 31 and Feb. 1.

Re: When does Chase report?

Anonymous — Sun, 28 Feb 2016 03:15:16 GMT

I'm not sure but I believe mine reports about 5 days after the statement cuts. Probably about the same amount of time as mine.

Re: When does Chase report?

Anonymous — Sun, 28 Feb 2016 04:11:06 GMT

@EAJuggalo wrote:
Statement closed this morning on my new Chase Freedom. I need one of my new accounts to report to the CRAs so I get a credit score. Anybody know how soon after statement cut Chase reports? Somewhat surprised that the statement cut on the Freedom that I was only approved for on the 8th rather than one of the Cap One cards I was approved for on Jan. 31 and Feb. 1.

I would suggest giving them a call to find out when they report. Hopefully you will get a great rep who will be able to tell you. 😀

Re: When does Chase report?

takeshi74 — Mon, 29 Feb 2016 13:17:07 GMT

Statement date. Don't overlook prior discussions as a resource

https://www.google.com/webhp?sourceid=chrome-instant&ion=1&espv=2&es_th=1&ie=UTF-8#q=chase%20report%20date%20site%3Aficoforums.myfico.com

and you can definitely always call your creditor to confirm. Keep in mind that when a creditor reports and when a CRA updates are two different things. It can take a CRA several business days to update.

@EAJuggalo wrote:
Somewhat surprised that the statement cut on the Freedom that I was only approved for on the 8th rather than one of the Cap One cards I was approved for on Jan. 31 and Feb. 1.

Don't assume that all creditors handle these things the same way. Some will cut earlier than others relative to approval. Time to first report can vary.

Re: When does Chase report?

joshall — Sun, 17 Apr 2016 02:34:34 GMT

My last statement closed on 4/3 but as of today, I am yet to see its reporting to all 3 credit bureaus. FYI, I have been a Chase credit crad holder for 10 years ..

So it would be great to know when yours get reported.

Re: When does Chase report?

someone379 — Sun, 17 Apr 2016 03:22:13 GMT

Just as an FYI - Chase will do a mid-month report if you pay a card to $0 reporting that the card is completely paid off...

Re: When does Chase report?

joshall — Sun, 17 Apr 2016 04:24:25 GMT

Actually, Chase will report when the balance hits $0, at any time.

However, wouldn't you think Chase would report to the Credit Bureaus after the statement closes each month?

Re: When does Chase report?

EAJuggalo — Sun, 17 Apr 2016 11:24:41 GMT

My first statement cut from Chase on 2-27 They reported on 2-29, at least according to EX and CCT.

Re: When does Chase report?

driftless — Sun, 17 Apr 2016 11:40:42 GMT

Mine is due on the 9th, the statement comes out on the 12th, and the reports show up on the CRA's on the 13th. As others have posted, they will report mid-cycle if you pay your account down to $0.00

Re: When does Chase report?

joshall — Mon, 18 Apr 2016 20:40:54 GMT

Please define mid-cycle?

We all know that if you pay down to 0, Chase will report it to CB right away.

So, if you don't pay down to 0, Chase won't report it?

My question is, when does Chase report to CBs? Everyone is telling me that they will report when the balance hits 0.. But all I want to know is, when do they report if you dont pay down to 0, and how many days after the statement closes?

Re: When does Chase report?

driftless — Tue, 19 Apr 2016 00:59:26 GMT

If you have a balance due and you pay that balance down to zero anytime before your payment is due Chase will report to all 3 CRA's. Mid-cycle: any time between the due/report dates.

Re: When does Chase report?

joshall — Tue, 19 Apr 2016 01:11:58 GMT

Yes, we know that. Again, the question is, when do they report if you DONT pay down to 0?

Re: When does Chase report?

driftless — Tue, 19 Apr 2016 14:14:39 GMT

@joshall wrote:
Yes, we know that. Again, the question is, when do they report if you DONT pay down to 0?

Statements, at least for me, cut 2 - 3 days after the due date and then are reported then or a day or so later. Be aware that pending charges can drop down to reported charges during the time between the due date and when the statement cuts. I have my accounts set for auto-pay PIF and often have small amounts reporting.