Question on UTL before Mortgage??

[cocomadd]

Hi Guys,

I am pretty sure that the credit report they will pull will have 1% UTL.  But, just recently I had to use my cc for an unexpected company trip, I have a UTL of 26% now, but am paying it in full today.  The credit union will report in the end of the month.  Do you think they will report the balance even though it is paid in full before they report?  I don't want it to look like I am increasing my credit usage.

Thanks!

[203bravo]

I often make large CC purchases and pay them online a few days later -- in my personal experience they report the balance that is owed on the day the statement cuts.. not the balance that was charged during the month.

[pizzadude]

+1. Almost all creditors report the balance as it shows on the statement date.

[liandur]

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@cocomadd wrote:

Hi Guys,

I am pretty sure that the credit report they will pull will have 1% UTL.  But, just recently I had to use my cc for an unexpected company trip, I have a UTL of 26% now, but am paying it in full today.  The credit union will report in the end of the month.  Do you think they will report the balance even though it is paid in full before they report?  I don't want it to look like I am increasing my credit usage.

Thanks!

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Not sure who the credit card is throught that you used but if it is a Discover Card by chance a phone call to a regular CS rep and a request for mid cycle credit bureau updating will have it reporting the next day. They are the only company I konw of that does that though.

[DallasLoanGuy]

they will report the balance owed on the day they report......   run it up to 100% and pay it off doesnt matter