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brewmastr

Capital One reporting.

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Does anyone know what day Capital One reports to the bureau's, i have paid off all my credit card debt, and got everything down to 0% utilization, just curious to know if anyone knows when they report so i know when i can use my card and when to have it paid off by, thanks!

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for me, capital one has always reported just after the statement is cut. so pay your bills before the statement date if you are trying to control what gets reported.

 

you mentioned paying off everything, and your util being zero, one strategy for improving FICO is to allow a small balance to report on one card, that amount can vary from 1 to 9% depending on who you ask.

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Same here.

 

Go on their site, look at the dates of the last few statements to figure out when your statements have been cutting (not "due"!) ....

 

And then PIF 2-3 days before then.

 

You'll see them pop up on your CRAs within another day or two of the "cut" date.

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