Credit Card Reporting Dates and Credit Scores: Understanding the Impact

Credit card companies in the US typically report account information to credit bureaus monthly, but the reporting date can vary. The three major credit bureaus are Equifax, Experian, and TransUnion, and you're entitled to a free report from each one weekly. Credit card issuers report activity around the same time as the monthly statement closing date, which can be found on past statements or online. The information on your credit file may not always reflect your current account.