Open/Never Late Account Showing Paid $0

[Anonymous]

Hey, everyone! So I'm looking over my Experian credit report and for one of my credit card accounts, it shows Status: Open/Never Late and green dots for all months I've had the card. However, on the monthly breakdown it shows a value for Scheduled Payment that differs from what I paid (sometimes far below, sometimes a little above). It then says "Paid $0" directly below that value on every month. I have the records proving I paid at least the minimum if not more every single month since having this card. I assume they know that since there is a green dot for every month. Is this an error I need to dispute? Do I need to go line by line through each month and tell them what the actual minimum was vs. what I paid?

It's been super confusing and I'd appreciate any help/clarification! Thanks!

[RobertEG]

Reporting of never late with green dot status for each month is a statement that you paid at least the minimum payment by the billing due date.  That is clear reporting of no delinquency.

I see no need for any dispute of accuracy of status.

[Anonymous]

Thanks, Robert! So it is not an issue that it shows I paid $0 for every month? Does the credit card company just not report my actual monthly payments to the credit reporting companies?

Would there be any benefit to my score if I do report the actual monthly payment information to them?

[OmarGB9]

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@Anonymous wrote:

Thanks, Robert! So it is not an issue that it shows I paid $0 for every month? Does the credit card company just not report my actual monthly payments to the credit reporting companies?

Would there be any benefit to my score if I do report the actual monthly payment information to them?

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Most of the time, CC companies don't report exactly how much you paid monthly.

And no, no scoring benefit even if this info is reported.