Table of Contents
- Does Credit One report to the 3 major credit bureaus?
- When does Credit One report to the credit bureaus?
- How often does Credit One report to the credit bureaus?
- What information does Credit One report to the credit bureaus?
- How to view your credit report
- How to build credit with a Credit One credit card
Lenders can choose whether they report information to the credit bureaus, which bureaus they report to, and what information they report.
What and when credit cards report to the credit bureaus is an important part of building credit, as the information given is used to update your credit report and corresponding credit score.
Does Credit One report to the 3 major credit bureaus?
Yes, Credit One reports to the three major credit bureaus:
- Equifax
- Experian
- TransUnion
When does Credit One report to the credit bureaus?
Credit One reports to the credit bureaus one or near your credit card’s statement closing date.
Your statement closing date is the final day of your credit card billing cycle. To find your statement closing date, you can:
- Check your credit card statement.
- View your billing cycle information in your online account.
- Call the number on the back of your credit card and ask a customer service representative.
How often does Credit One report to the credit bureaus?
Credit One reports to the credit bureaus every 28–31 days.
What information does Credit One report to the credit bureaus?
Credit One reports the following details to the credit bureaus:
- Late payments
- Account status
- Amounts owed
- Available amount
- Other information that can found on the account
Other information on the account likely includes items like your name, the account type, and when the account was opened.
How to view your credit report
Credit One doesn’t offer free credit reports. However, they do offer cardholders free credit scores. To check your score, log into your Credit One mobile app.
How to build credit with a Credit One credit card
Because Credit One reports to all three major credit bureaus, you can use your credit card to build credit and improve your credit score.
To build credit with your Credit One credit card:
- Use your card regularly: Using your Credit One card responsibly each month gives Credit One positive marks to report to the credit bureaus. If you have a low credit limit or worry about being able to pay your credit card bill, charge a small recurring purchase to the card (like your Netflix or Amazon subscription).
- Use less than 30% of your credit limit: An important factor in determining your credit score is your credit utilization rate, which is how much of your total credit you’re using. You want this number low, so try to only use less than 30% of your credit limit, or less than 10% for an even better rate.
- Pay your bill on time: The most important part of building credit and raising your credit score is making on-time payments to your Credit One account. When you pay your credit card bill also matters if you’re trying to raise your score. Pay your credit card bill in full by the due date, and pay down most of it by the statement closing date (since that’s when Credit One reports your account standing) to maximize positive reporting.
- Keep your account open: The length of your credit history also contributes to your credit score, so keep your Credit One credit card account open to increase your average credit age.
