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A couple weeks ago I made some heavy payments across the board to move my UTIL down to 7% from close to 19%. Left a few cards with little balances and they are 0% apr at the moment. I was hoping the new balances would report by end of this month. How long does it take to cycle thru? I'm hoping for a score bump... we'll see.
Thanks
Depends on the creditor and when they report the the CRAs. They will all generally report once a month. I feel like most of mine seem to report around the 24th or 25th but I could be way off on that.
It depends on the individual card and their reporting dates. I believe most cards report after the statement cuts, but some report on a random day like the end of the month. I would give it at least a few days after the statement cut for the cards in question to see a change on your reports.
Thanks for the feedback... it all makes and I will remain patient.
FYI - overnight my payoff of the JCP/Synchrony card reported the 0 balance to Experian. Results was 8 point increase on EX score. Progress!
I did something similar 42% to 1% and it took about 3 weeks before I saw any change. (most of my cards update to the CR just before my statement so I had to wait for all of em to update)