Jump to content

TaronT

Members
  • Content Count

    4
  • Joined

  • Last visited

  1. TaronT

    Dirty Capital one won't update balance to $0

    Her statement closed date is the 23rd and her report date will usually be 2-3 days after that. Sent from my iPhone using Tapatalk No, in November it said last reported on the 23rd of November, then it changed to the 25th of December. I'm not guessing here, this is what her credit reports are stating as last reported dates. The due date is irrelevant. The statement cut date is what matters and what gets reported. Do you really think CapOne has a conspiracy to keep your mother's credit score depressed? Really she should be mad at you for not educating her on the importance of having 3 or more revolving accounts. Just having 3 accounts would give her a score boost, which would be compounded with lower revolving utilization and a lower percentage of revolving accounts carrying a balance. Then she could also implement the $2 trick for a further score boost. She had a 580 in October and I've taken her all the way to a clean report and 700 in 3 months. Why would she be mad? I told her to hold on applying for anything until it was clean because they would just give her toy limits or outright deny her and the inquiries would hurt her score. I know what I'm doing with her file. I can only speak from my experience with capital one. My due date is the 21st, my statement close date is the 24th and my report date is usually 2-3 after that. So always expect it to be reported 6 days after my due date and Experian always get reported first. Sent from my iPhone using Tapatalk
  2. TaronT

    Dirty Capital one won't update balance to $0

    Her statement closed date is the 23rd and her report date will usually be 2-3 days after that. Sent from my iPhone using Tapatalk
  3. TaronT

    Dirty Capital one won't update balance to $0

    Sent from my iPhone using Tapatalk
  4. TaronT

    Dirty Capital one won't update balance to $0

    Her statement/close date is the 23rd and her report date is the 26th. Sent from my iPhone using Tapatalk

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×

Important Information

Guidelines