What is my Utilization % if CRA doesn't report my last month's balance for a card?
For example if the CRA hasn't reported my May statement balance for Amex? When calculating Utilization is that considered $0 or would they go by April balance?
The CRAs don’t report CC balances, the CCCs do. The CCCs are not required to report, but generally do. It is also not mandatory how soon it should be done. If a CCC usually reports to the CRAs, it’s unlikely a balance for some month doesn’t report. The closest I can think of is that Amex doesn’t report for a month of inactivity when the prior reported balance was zero. The CRAs don’t take it upon themselves to make up for lack of reporting from the CCCs, and neither does FICO. They use what has been given to them.
