🚨 STATEMENT DAY vs REPORTING DATE

Even if you pay on time… your score can still drop.

Most people confuse these two dates — and that’s why their utilization reports high.

Here are 2 things you NEED to know:

🟦 1️⃣ Statement Day

This is when your billing cycle closes.

Your balance on THIS day is usually what gets sent to the bureaus.

🟦 2️⃣ Reporting Date

This is when the lender actually reports your balance.

It can be the same day — or a few days after.

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