• One reason there’s so much confusion about what credit companies report to credit bureaus is that there’s no clear-cut, universally applicable answer (annoying, we know).

    The good news? There are trends to look at that can help inform us as consumers.

    Your balances are normally reported to credit bureaus on your statement [closing] date. However, it may take a few days or even a week for the bureau to update your information.

    This may depend on the bureau. Experian, for example, claims that your credit report shows the balance on your credit card at the moment it is reported by your lender. But different bureaus may update at different speeds and frequencies.

    And while you can generally expect that your credit card activity will be reported to the bureaus at the end of your billing cycle, it’s not a hard-and-fast rule. How often credit card companies report to the nationwide consumer reporting agencies depends on the [company].

    It can be anywhere from quarterly to daily for an individual consumer’s information, depending on the choices and practices of the lender or creditor. Most lenders and creditors [i.e. credit card companies] report information at least once a month.