When does Cap One report to Equifax?

[Gvegas627]

So every month, it seems that Cap One has been reporting to Equifax faithfully on the day my new statement cuts... except this month. The past 6 months or so, I had been carrying a balance on the card. I paid it down a couple of weeks ago, and am hoping for a decent bump in my EQ score. My statement cut yesterday, but they still haven't reported. Grrrrr! Is there anything I can do to prod them along, or do I just (impatiently) wait?

[moosetracks]

It can take up to 2 days for EQ to update once they report IME. EX is always the one to post first.

[Gvegas627]

OK- thanks! I will keep an eye on it.

[shifter]

mine always posts 2 days after the statement cut, but it shows "last updated" date as the statement cut. so I assume C1 submits it on the statement cut date, but EQ takes 2 days to post it.

[mariuszh]

3 Days after statement cut here.

[cv91915]

Curious... Why is the score bump so eagerly anticipated?

[Gvegas627]

I am just below 675, which is what I need to refinance my auto loan at DCU to 1.99%... and, since I will have to take a hard pull anyway, I will be asking them for a CLI on my credit card with a reduction in APR. It isn't urgent by any means, but I have never been a patient person!

[cv91915]

Gotcha. That's a solid plan!!