Balance at reporting
Credit scores & reportsThe amount shown on your credit report at the time of reporting.
Overview
This figure is used to calculate utilisation and risk.
It can differ from the balance you see today.
Why it matters
- It affects your score and eligibility.
- It shows how lenders see your current debt level.
- It can explain score changes.
FAQs
Can I influence the balance reported?
Paying down before the statement date can reduce the reported balance.
Is the reported balance always accurate?
It should be, but errors can be disputed.
Related terms
Take control of your credit health
Get the complete credit toolkit — all features included.
Start building creditInstant setup. No credit check. Cancel anytime.