When and what do you report to the credit bureaus?

We report to Experian, TransUnion, and Equifax every month. We report your credit line, current balance, account status, and payment history as it was on the day of your most recent statement close date.

Westartreporting your Grain accountafteryour first billing cycle.

To see your credit report display positive payment history, make a payment by your due date.

To see your credit report display low credit utilization, make sure your account is in good standing on the last day of your billing cycle.

You can see your billing cycle on the Home tab of the Grain app next toCurrent Cycle.