Keep in mind that although the balance that is reported is that of the last statement, noting the exceptions listed above, it is seldom if ever reported to the credit bureau's on that day. For example my Capital One cards are due the 20th, reports to the CB the balance as of the 24th (statement date) but does not show up on EX until the 27th, TU around the 30th and EQ around the 28th. You will want to keep that in mind for the timing of when you pull your credit report.
@Anonymous wrote:Having my credit pulled soon and would like to know if balances are shown with the last statement amount or real time balances?
It's not real time, it's whatever the last reported balance is for the account. In most credit card accounts, but not all, the statement balance is the reported balance. We would need to know who your lenders are to answer the question more specifically than that.
@Anonymous wrote:
It is my First Premier card I was wondering about . My credit is being pulled for a mortgage and I wasn’t sure if I needed to pay it off prior the statement date is around the 9th or 10th if the month and it will be paid in full prior to that. It is paid in full before statement date every month.
I'm not familiar with First Premier, so I can't say whether it's one of the majority which report the statement balance, or one of the few exceptions which report some other balance. You should be able to tell from your prior credit reports or from Credit Karma or something.