When Does Chase Report to Credit Bureaus?

Chase sends your balance to the credit bureaus right after the monthly statement closes; the balance on the Chase statement closing date is what gets reported, and the data typically appears at Equifax, Experian, and TransUnion within 2 - 5 business days, though some accounts may take up to a week. That reporting day is what we detail in the next section on pinpointing your Chase statement report date.

Chase sends your account information to Equifax, Experian and TransUnion on the day your monthly statement closes.

1. Find the statement closing date - It appears at the top of every online or paper statement and marks the end of the billing cycle.
2. Know the reporting window - After the close, Chase usually uploads the balance to the bureaus within 1‑3 business days; some accounts may take up to a week.
3. Expect the bureau lag - Credit bureaus often need an additional 2‑5 days to process the data, so the updated score may appear later in the month.
4. Confirm the report - Log into your credit‑monitoring service a week after the closing date to see the latest Chase entry; if it's missing, repeat the check after 10‑14 days.

For more details, see the Chase credit reporting FAQ.

A brand‑new Chase account typically shows up on your credit report after the first statement closing date, because Chase batches all activity - including new accounts - once a month and sends it to the credit bureaus. Expect it within 2 - 3 weeks after that closing date, which translates to roughly 30 - 45 days from the day you open the account.

If the account hasn't appeared after about six weeks, it may be delayed by a reporting lag or an error in the batch; you can verify the submission by checking the 'new account' entry on your credit report. Once it does appear, the next factor to watch is when a late Chase payment reaches the bureaus, covered in the following section.

Late Chase payments hit the credit bureaus only after the account is 30 days past due; anything under that threshold stays off the reports. Once a payment crosses the 30‑day mark, Chase batches its data during the monthly cut‑off and sends it to Equifax, Experian and TransUnion, so the negative entry shows up roughly 30‑45 days after the due date, not after the statement closing date mentioned earlier.

• Missed payment paid within 30 days → no late‑payment record.
• Payment remains unpaid for 30 days → Chase flags the account as 30‑day delinquent.
• Data transmission occurs in the next monthly cycle; credit files update within the following 2‑3 weeks.
• Subsequent 60‑ or 90‑day designations follow the same monthly reporting rhythm.

Chase can delay sending your account information to the credit bureaus for several common reasons.

• Reporting batches usually run a few days after the Chase statement closing date; if the closing lands on a weekend or holiday, the batch moves to the next business day.
• Payments posted after the statement closing date are recorded for the next cycle, so a late‑month payment holds the current report.
• High transaction volume at month‑end can cause the system to queue data, extending the window before submission.
• Disputes, fraud alerts, or account holds pause reporting until the issue resolves.
• Technical glitches or scheduled maintenance in Chase's internal system may temporarily stop uploads to Equifax, Experian, and TransUnion.

Check your credit report or monitoring app for a Chase update dated the most recent statement closing date; if the account appears with the current balance, Chase has reported this month.

• Log into AnnualCreditReport.com or your credit‑monitoring service and select the 'Recent Activity' tab.
• Locate the Chase entry; note the 'Date Reported' field. It should match the Chase statement closing date you saw in the 'pinpoint your chase statement report date' section.
• If the date is missing or predates the last closing date, wait 2‑7 days - credit bureaus often lag behind Chase's 24‑48 hour submission window.
• Use the 'See Recent Inquiries' section to confirm the update went to Equifax, Experian, and TransUnion.
• For faster confirmation, call the bureau's live line and ask for the last reporting date on your Chase account.

If the balance reflects the latest statement, you've verified the monthly report. Next, explore whether paying before the close can keep a zero balance from being reported.

Paying before the Chase statement closing date guarantees the balance appears as zero on the bureaus. If you clear the account after that date, Chase still reports the previous statement balance - payment clearing late does not erase the reported amount.

Because Chase typically sends its monthly updates to Equifax, Experian, and TransUnion around the 10th‑15th, a payment must not only clear but do so before the closing date to avoid being logged. Confirming your balance a few days ahead and setting a payment reminder reduces the risk of a non‑zero report. For exact deadlines, see the Chase statement date information.

Chase reports most of its loan balances on the same monthly cycle it uses for credit cards - once per statement closing date, then forwards the data to Equifax, Experian, and TransUnion. If your loan's statement closes on the 15th, the balance as of that day appears on the bureaus' files within the next 7‑10 days.

However, certain installment loans (auto, personal, or student) follow a separate reporting schedule. Chase may submit those balances after the payment is posted, which can be anywhere from 10 to 30 days after the due date, so the credit file can lag behind the card schedule.

Chase posts the final account status to the credit bureaus after the account's last statement closing date, typically within the next 30‑45 days.

When you close the card, the reporting cycle follows the same pattern as an open account:

• Chase statement closing date triggers the data file; the balance shown on that statement is what the bureaus receive.
• The file usually reaches Equifax, Experian, and TransUnion within 1‑2 weeks of the closing date.
• If you paid the balance to zero before the closing date, the bureaus record a zero balance; a payment made after the closing date will appear on the next cycle.
• Any pending interest or fees dated before the close may still be reported for that final cycle.

After the final file is processed, the account will appear as 'Closed' on your credit reports and no further updates will be sent, which leads into the next section on why bureaus sometimes lag behind Chase's submissions.

Bureaus lag Chase submissions because they only get the data after the Chase statement closing date, then must cleanse, batch and transmit it before updating your file. This extra step adds a few days to the monthly cycle.

Weekends, holidays, and automated validation checks also pause the flow, so a report generated on a Friday may not appear at the bureaus until the following Monday or even later. Each bureau runs its own posting schedule, which can further stretch the gap.

That timing explains why you might not see the update when you check your score, and it links directly to the next section on how to verify Chase reported this month.