Different Statement Dates and Scoring/Info Updates from Bureaus

[Anonymous]

I have 3 credit cards (plus my Amex), and I figured it would be best to ask for statement dates. They were:

Chase Freedom card ($1,000) cuts on the 3rd of every month

Barclaycard ($5,000) cuts on the 5th of every month
Discover IT card ($4,500) cuts on the 19th of every month (but will not cut the first time until December)

Assuming that these credit card companies report after the statement cuts, when do the bureaus update the information that affects my FICO scores? Do they know not to just see my utilization as zero if I only have one card report a balance during the statement cut?

[Anonymous]

In my experience. Experian reports the next day. Equifax the day after that. And trans Union 1-2 days after that. All of my cards report this way.

[Anonymous]

I agree, Experian is super fast, Equifax is also fast however TU gosh they are always super late , my bill prints on the 20th TU does not update until like the 25th sometimes day earlier than that but still late.

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@Anonymous wrote:
In my experience. Experian reports the next day. Equifax the day after that. And trans Union 1-2 days after that. All of my cards report this way.

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