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I am confused about how my NFCU CLOC is reporting. My payment is due on the 10th of every month. However, CK and myfico get my balance information around the 4th of every month. I am confused as to when the statement “cuts” because I got an alert from Experian with this account having a balance of $4,969 on Feb 3 but I paid $4,000 before the third and my balance is $969.00. I looked at my last statement balance on Jan 10 and it is not the same as the balance on Experian. Thanks for the help