Reporting date
Credit scores & reportsThe date a lender submits your account data to a credit agency.
Overview
Data reported on this date appears on your credit report after processing.
Balances reported can reflect your statement or current balance depending on the lender.
Why it matters
- It affects what balance is shown on your report.
- It influences utilisation calculations.
- It helps you understand score timing.
FAQs
Is the reporting date the same as the statement date?
Not always. Some lenders report on the statement date, others report on a different day.
Can I change my reporting date?
Usually no, as it is set by the lender.
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