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I Hate Waiting For My Reports To Update...

Valued Contributor

I Hate Waiting For My Reports To Update...

I paid off two accounts that closed on the 12th. Took about $700. off of my total balance. Now I keep checking my Credit Karma and waiting to get an alert from here that says that my score went up. I have a few more cards that will be going down/paid over over the next week so the score should keep going up, up, up... Utilization will be down to about 5% from 18!

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
7 REPLIES
Valued Contributor

Re: I Hate Waiting For My Reports To Update...

i feel how you feel. 

it usually takes about 10-14 days after it actually happens. 

 

credit reported on the 1st and didnt post on credit karma till the 12th. 

tu is the slowest out of all to update their stats. 

 

just paid off 650 in credit to lower my util to 2% and i wont actually see it till the end of the month. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor

Re: I Hate Waiting For My Reports To Update...

Waiting is the worst part.. I recently brought my util from 80% to about 25%, and hated the wait for them to report, but when they did my score jumped almost 50 points!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Established Contributor

Re: I Hate Waiting For My Reports To Update...

Yes in indeed. Suspense is never a good thing.

Regular Contributor

Re: I Hate Waiting For My Reports To Update...

let a payment be late. it will report almost immediatelySmiley Very Happy

Starting Score: 5/2012 TU 595, EQ 565, EX fako 547
Current Score:as of 9/2012, TU 626,Walmart 612, EQ 600, EX fako 623
Goal Score: 640 by dec 2013
BofA Au 13000, Amazon 600, Capt1 300, Walmart 150
When all else fails pay it!


Regular Contributor

Re: I Hate Waiting For My Reports To Update...

+1

Starting EQ Fico: 536 (3/12)
Current EQ Fico: 649 (9/13)-lender pull
TU Fico: 684 (8/13) 711-lender pull 9/13
EX Fico: 646 (8/13) 655-lender pull 9/13
Valued Contributor

Re: I Hate Waiting For My Reports To Update...

all my payments say 0 due though =) 

so i cant make any "late payments" until next year. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Highlighted
Valued Contributor

Re: I Hate Waiting For My Reports To Update...

My accounts usually post within a few days of the closing date but those few days feel like forever!

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748