Balance on credit report is usually what appears on billing statement

Dear Experian,

Is there a way to make a credit search show my current balance on a card rather than the balance on the last statement?



Dear REQ,

A few lenders report updates to their accounts more often than once a month, but the vast majority do not. So, for most accounts your credit report shows the balance reported by your lender at the end of the last billing cycle, which was the amount shown on your statement.

Thanks for asking.

- The “Ask Experian” team

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