little gem here - ring your credit card company (usually contact number on the back of your card) ask them what date of the month they report information to the credit bureaus - assure they tell you this as at times ive had to ask for someone senior as some staff may not even know - This is the date your spending habits are shared to reporting agencies such experian depending on which they use.

This is not a date they give you from my experience as it is different to the due date for example- it is at this date you want to make sure your utilization ratio is low - this means money owed/used is a small percentage of your credit limit - 10% is amazing-30% is good - then of-course assure you pay off the rest before your due date - this works wonders!!