Are there any credit reports that show your monthly usage?

[user365735]

For example I use Experian right now for free credit reports etc. they just show your max highest usage. Are there any credit services that will show you, your max usage every month? Experian just says paid or 30,60,90 etc days late monthly.  In simple terms I'm looking for my usage by month not forever.

[FicoMike0]

Get your full reports from annualcreditreport.com. Each report will give monthly max balance and payments for each account.

[Thomas_Thumb]

Unfortunately card issuers are not required to provide monthly payment amounts and have colluded not to. As a result, that data field may be blank on credit reports. Excerpt and link provided below. Check out the PDF letter (2nd link)

Why the largest credit card companies are suppressing actual payment data on your credit report

By John McNamara – FEB 16, 2023

"In 2020, the CFPB noted that the largest credit card companies started to deliberately suppress their customers’ actual payment amounts from the nationwide consumer reporting system. Actual payments are the amount a borrower repays each month, as opposed to the minimum payment or balance. Credit card companies’ failure to report actual payment data means that millions of people’s credit reports are missing fundamental information about their credit card repayment behavior that could help many of them receive better financial offers and potentially save billions of dollars in interest expenses.

The majority of accounts, or “tradelines,” listed in credit reports are credit and retail cards, which amount to nearly 70 percent of all tradelines shared (or “furnished”) into the nationwide consumer reporting system. When the largest credit card companies suppress any piece of a consumer’s credit history, it has the potential to negatively impact consumers and the credit market at large."

https://www.consumerfinance.gov/about-us/blog/why-the-largest-credit-card-companies-are-suppressing-...

https://files.consumerfinance.gov/f/documents/cfpb_actual-payment-summary-of-findings-letter_2023-02...