When does BOA report?

[Anonymous]

Trying to find out what date Bank of America reports and therefore, what date should be best to pay down every month before it reports....if this makes any sence.

Also, does BOA report to all 3 and at the same times?

                       - Chris

Message Edited by cspar1212 on 11-25-2007 11:46 AM

[haulingthescoreup]

DH's card reports on its statement date, in other words, the date that the statement "drops," and you get your e-mail telling you that it's available. The balance on the statement is what is reported.

All three CRA's get the info on the same day, but it varies as to when they bother to post it. On my reports, EX posts everything the day it gets it, TU shows up 2-4 days later, and EQ moseys around for up to a week. Maddening!

I've wasted a couple of score pulls by seeing something report on EX and getting all excited and pulling TU and EQ before it shows up on them. grrrr That's why I use TrueCredit --to see if everything has posted (certainly not to look at their FAKO scores.)

[Anonymous]

Do you Know around what date you get your email from Bank of America?

[haulingthescoreup]

His statement usually drops around the 2nd-3rd-4th of the month. Looks like I've deleted the e-mail.

[Anonymous]

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cspar1212 wrote:

Trying to find out what date Bank of America reports and therefore, what date should be best to pay down every month before it reports....if this makes any sence.

Also, does BOA report to all 3 and at the same times?

                       - Chris

Message Edited by cspar1212 on 11-25-2007 11:46 AM

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Call Bank of America's customer service department.  A rep will be able to tell you when your closing date is.  It will fall around the same date each month.  My closing/statement date usually varies each month by a day or two.   The email notification usually arrives about a day or two after the closing date.