Lender use payment on credit report or call credit companies?I was just wondering if this is normal. My three credit reports show a 0 balance on one of my cards but my lender requested a credit supplement. I had a three way call and although my last statement balance was 0, my current balance is $200 with a hypothetical minimum payment of $40. Now the lender wants to use the minimum payment of $40 against my debt to income instead of the 0 on credit report and last statement. I have never of a lender doing this before. Also, my husband and I are also authorized users for each other on two of our cards but they are trying to count their payments as four debts. I've explained this at least five times to the loan processor, the credit reports I pull say AUTHORIZED USER on their respective accounts and it's obvious by the credit limit/balance that there are only two "real" accounts. Are these procedures something new?May 29 - US0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.