Lloyds - Date of borrowing submission to Credit File

TheSilverStag918

Hi all -

I am starting to get seriously into this credit file boosting - finding it like a game, every time I load that score, I get a little buzz of excitement (will it be up or the same?).

My Question though - I have an overdraft with Lloyds, I have a huge overdraft infact (3k) - god knows how as I have banked with them for 6 years, and only been earning an alright amount (28k - as was a 'mature student') for the last 18 months. Anyway, I want to ensure that I have the absolute maximum in the account to make sure I am not overdrawn before the date of submission to the credit report. I noticed in September for example it was 7th, and in August, a bit earlier I think.

I have a suspicion it may be the first Sunday of the month?

Does anyone know if information is available about when banks (namely Lloyds) submit your borrowing activity each month?

Also - am I doing the right thing, I have only had an overdraft for around 8 months so at present that is a negative against me as it is under the 10-12 months average borrowing analysis thing. But what I do, I have a 0% spending credit card and a contract telephone.

Obviously with the phone I pay every month so it is a nice green '0' all the time.

With the credit card and overdraft, I use them every month, I make sure I always use 15% of my available credit every month and pay every penny off, I also make sure that I never use more than 25% of my available credit (except August - as the car died so it registered at 60% credit use, but is back down to 0 now).

Will these things actually improve my rating or am I subscribing to the million myths of how to improve that float around?