How do lenders know if you PIF based on CR?

[Gmood1]

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@digitek wrote:
I thought I read somewhere that they also report how you pay your balance, looks like they big three have been doing it for awhile, found this article from 2013 about it:

https://www.creditcards.com/credit-card-news/credit_reports-reveal-card-bill-paying-data-1270.php

I've never seen that kind if data on my reports, but I guess institutions can request it.

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Depends on where you pull your reports. If you pull directly from the CBs. You'll see the trended data on some accounts. TU was the first I noticed this on, then EX.

You normally see a running total of revolving balances. If you're paying before the statement cuts. Your running monthly total will be skewed. This could have a negative affect obtaining credit. Since it shows you don't utilize the credit, you already have.

[Anonymous]

TBH, I prefer that they don't look too close to those details. As it may sway them one way or another, depending on who the lender is.

Looking at my spending/paying habits and non utilization may steer them away. If they see that I've never came close to my limits, it might tell them that I don't need higher CLs. Much better for them to just see a score and that I'm current on everything. Because of how my pay periods fall, I might be considered to have an erattic payment pattern. I always pay half before statement cut, then the other half by the due date.

[Shooting-For-800]

I dont think it matters that much when you have an established credit profile.

My scores barely moves 4-8 points when I go from 0 to 30% usage or vice versa.

You can always pay if full before the statements hit to see how much affects your score.