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How long until reports update??

Established Member

How long until reports update??

I recently paid down almost all of my debt, and I was wondering, how long does it *typically* take to see a change on your credit report? I imagine a few months, but I just wanted to be sure so I can stop checking my reports and scores like a fanatic. I may be mildly addicted to my credit since actively viewing this site. Oh well, at least it's a positive addiction...kinda. Smiley Wink



Current: TU (Wal-Mart) 640 EQ (myFICO) 627 EX 628 as of 10/12
BK Discharged 08/10 (The dark times)
NavChek (5000) Cap1 (2500 & 1000) hhGregg (1500) Amazon (900) & WalMart (500) Lowes (300)

Goal: No apps until 07/2013 & 700's across the board
Message 1 of 6
5 REPLIES
Contributor

Re: How long until reports update??

Lenders typically report monthly, so I would give it around 30 days to show up.

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Message 2 of 6
Established Contributor

Re: How long until reports update??

+1, it definitely won't take months to update. They should be updated by this time next month.


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 3 of 6
New Contributor

Re: How long until reports update??

My Experian report updated today and my debt went down 1 percentage! Slowly but surely Smiley LOL

EX -682
EQ -658
TU -663
Message 4 of 6
Established Member

Re: How long until reports update??

Every little bit helps!! Thanks for the info everybody!


Current: TU (Wal-Mart) 640 EQ (myFICO) 627 EX 628 as of 10/12
BK Discharged 08/10 (The dark times)
NavChek (5000) Cap1 (2500 & 1000) hhGregg (1500) Amazon (900) & WalMart (500) Lowes (300)

Goal: No apps until 07/2013 & 700's across the board
Message 5 of 6
Frequent Contributor

Re: How long until reports update??


knj601 wrote:

I recently paid down almost all of my debt, and I was wondering, how long does it *typically* take to see a change on your credit report? I imagine a few months, but I just wanted to be sure so I can stop checking my reports and scores like a fanatic. I may be mildly addicted to my credit since actively viewing this site. Oh well, at least it's a positive addiction...kinda. Smiley Wink


Each account will generally update several days after the statement closes. Generally, this update can be seen instanty on Experian, within several days on Equifax, within 1-2 weeks on TransUnion, or within a month on Innovis if your creditor uses them.

 

In other words, if you make a payment on the first day of your new billing cycle, it could take over a month to see it on your reports.

Message 6 of 6