Hello all!! I did a search for this but didn't really find a good answer. My question is, we just paid off our credit card in full (Cap. One), and we are about to pay our auto loan off(Ford cred.) this month. I would like to wait to apply for the mortgage until these balances are shown as 0 on our reports. But how long does it usually take for it to show up? I have heard 30, 60, even 90 days. I hope not that long!! Any advice would be much appreciated. Thanks!!