The bureaus report what your creditors report to them. If you use a service like true credit or national city or chase, you can click on the details for each of your trade lines and see the exact date that your creditors update to them. For instance on mine I have an account that shows a report date of 9/2/07 on TU and EX but 9/1/07 on EQ. This means whatever my balance is with this creditor on the 2nd of the month is what will be reported to all 3 CRAs. EQ always shows the first of the month as they seem to be setup only to report the month and year where TU and EX show the exact date. This helps you realize when you should make your payments so that they will post on your account before your creditors report to the CRAs.
It took me a while to get used to this. But you will get the hang of it. I can tell you this much, the date they report is not always the day your payment is due. Sometimes it's before and sometimes it's after.
