BoA what day do they report and other questions????

[MichiganMommy]

What day do BOA report? When is it best to pay your UTL down for them. How do you get the best monthly score boost from them?

If you have high balances on other CC, should you leave your BOA account balance <1%.... Do they report the balance at time of statement or high balance used? Any other BoA tips???

Thanks, helping my DS (Dear Sister) and her husband out!

[Anonymous]

Hi, here in California, BofA uses Experian.  I've only had my card for a few months so m ybe someone else on here can answer yourother questions.

[tonsers]

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@MichiganMommy wrote:

What day do BOA report? When is it best to pay your UTL down for them. How do you get the best monthly score boost from them?

If you have high balances on other CC, should you leave your BOA account balance 1%.... Do they report the balance at time of statement or high balance used? Any other BoA tips???

Thanks, helping my DS (Dear Sister) and her husband out!

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BofA reports when the statement drops - you'll have to look at your account summary. They report the balance at the time of the statement - so it's best to make a payment just before your statement cuts.

[haulingthescoreup]

For any others trying to untangle this, the date you're looking for is NOT the payment due date. It's the date printed at the top of your paper statement. Or you can go to your online account, find the view statements button, and you'll probably get a drop-down that says (for instance) 6/15, 5/13, 4/14, etc. Those are your statement dates, so you could expect your July statement to drop sometime between the 12th and the 16th.

Some companies, bless their hearts, report on the same date every month, no matter what. Discover does, and I think my Chase, Citi and BofA cards do also.

[athensguy]

If you have high balances on your other CCs, I'd also recommend against calling them to ask for anything. If a credit analyst looks at you and doesn't like your util, he will shut you down. Happened to me.

[fused]

haulingthescoreup wrote:

so you could expect your July statement to drop sometime between the 12th and the 16th.

This is the case for me. First EX, then the other two.