Can I ask as I have been reading other posts and I am trying to play the UTI game. I'm frustrated by the rules lol
Current line up for the month of April
Amazon: $0 (didn't get alert) statement cuts later (11-13th) but typically alert on 10th
Ciit: $0 ( report +4 pts) statement cut 4/14, typically alert 17th
CapOne: $1184 to $16.23 was charged % but still huge dec In UTI , hasnt been reported) statement cut 13th, NO alert typically 17th
Walmart: BT plus $46 payment shows -$46 but I used it balance should be $21.67 once charge hits but curious about making it $0 for reporting purpose
VS: using it but PIF, statement cuts 24th will show charges and payment, but nothing reports? Usually don't get an alert
Target: been $0 since jan used it this month for activity but PIF (no statement generated) haven't seen it report since jan
Chase: New slate card. new TL hit my file with the $6505 of BT (CITI, CapOne, Walmart, Red Canoe) -14pts! 
Red Canoe Visa: $1702 PIF w/BT personal bank not sure how they typically report
GE cards ( as I have read on other posts) if the balance is $0 at statement cut but it won't report? I have experienced this with my amazon card this month. $0 and no alert of it reporting as such. I just also had my walmart paid off am I to expect that that won't report either? and again with my old navy. So the question is how do I get this to benefit my CS with cards at $0 if they won't report? Also finding this with my target card, VS card as I keep them PIF when I do use the card. So I guess I feel like if I keep a card at $0 regardless of use if a statement doesn't report a balance then I didn't see a change in my credit score What's the point? ...yes I am working on uti to maximize scores.
So I am frustrated on how I am suppose to get all cards to report 0 while having 1 (slate card ) report a %.
Not sure if I understand your question but basically, if you want your accounts to report a 0 balance, you need to make sure that you pay off the balance before the statement cuts. As for GE cards or cards from other banks not reporting a 0 balance, I don't know the answer to that. If you feel like there are cards that are not reporting, I'd just call the banks directly and ask what's going on. Also, I don't know what monitoring system you're using, but it's possible that they're reporting to the CRAs but that you're not getting the "alert." That's why checking the reports directly is probably the only to make sure that things are being reported. There are services that allow you to check all three reports daily - personally, I found that to be unnecessary but I know that a lot of people here like to do that.
@kroberts67 wrote:If there are purchases or payments, they will report (GE). CLI's won't cause them to report. You need to know when the statement reports and it's many times not right on time. I find TU very slow and irritating. Something that reported to EQ and EX could show up on TU a week later. The only way to learn the behavior of your cards and know what's reported is to check your reports.
This. I wouldn't totally rely on alerts alone to determine whether the 0 balances are being reported to the CRAs. Also if you're relying on the UTL game alone to increase your score - UTL doesn't have a memory. Just bc you may get a bump in score due to UTL doesn't mean that's going to stay that way. UTL is definitely important but I think aaoa, inqs, no baddies, payment history are all just as important in getting the overall score to go up.
