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It should make a big difference in my utilization since I had a balance of over $1,000 the previous month
HappyDays wrote:Companies usually only report once a month & then the CRAs update! I paid off my PC 2 months ago & got NO points. Maybe because I had the 1 year no int. and I paid it down and last payment was only $100. It didn't make a big difference in my UTIL.
ngerasimatos wrote:You can always dispute the account as PIF but you also run the risk of it getting delete from your account accidentally, have you tried calling Dell and asking them nicely to update your account balance?
TheNewWorldMan wrote:
Depends on whether it was an installment loan or a charge account. The balance of installment loans doesn't count toward utilization, and FICO scoring is largely insensitive to installment balances.