when does capital one report to credit bureaus

Capital One typically reports to the three major credit bureaus (Equifax, Experian, and TransUnion) approximately every 35 to 45 days, usually around the same time each month, often shortly after the billing cycle ends. This means account activity such as balances and payments is updated on credit reports about once every 30 to 45 days, but the exact date can vary slightly for each individual and account. Generally, the reporting happens a few days after the statement closing date, which is the balance that gets reported to the credit bureaus. For most accounts, Capital One reports around the middle of the month, roughly between the 10th and 20th, depending on the statement date (which aligns with the billing cycle). Paying down the balance before the statement closing date can help lower the utilization ratio reported. In summary, Capital One reports monthly to credit bureaus, usually shortly after the statement closing date, with the exact timing varying per account but generally falling within a 30 to 45-day range from the last report.