Paid Off Credit Card - Need CR Updated

[Active1181]

Hello, I paid off capital one today, payment posted and is now showing updated balance on capital one online statement.

Now what I'm curious about is I'm signing loan docs for a mortgage loan on 8/30 and they already ran credit in early Aug for pre-approval but will be running again due to the holiday on 9/2. I've increased my score (due to all the great advice on this forum!) which is great and Im certain I increased my score the 5 pts I need for a 680 which will give me a better rate.

So, does anyone know if when the month starts over do balances get updated to CRA's then or do updates balances show or only sent to CRA's after capital one statement date (which is on the 24th of the month) or whenever the heck they feel like it?

I'm praying it gets updated, I'm positive it will give me the increase I need as I've played with the myfico simulator and so far it's been spot on.

I hope someone has some intel on this or has expire neck something similar.

Thanks again!!

[js0319]

Usually 5-6 days after your statement cuts. 

[TRC_WA]

My CapOne statements cut today... and they update to the CRA a day or two later.

[SunriseEarth]

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@TRC_WA wrote:

My CapOne statements cut today... and they update to the CRA a day or two later.

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+1.   That's been the experience with my Cap One cards.

OP, perhaps you could try calling in to Cap One and see if they can do a mid-cycle update to the CRAs.  

[Active1181]

Thanks everyone for the feedback, makes me feel better, I'll try and call cap1 and ask for a mid-cycle update and keep fingers crossed.