I was so discouraged last month, I paid off all my debt adn expected to see the scores jump. Exactly one day after I paid, one of m store cards reported a payment as late!! Equifax dropped 41 points. I called and they promised that once they reported this month, it would report correctly. When my 3 credit cards finally reported a lower balance from 93% to 1% I gained.... 3 points.... Well that store card finally reported paid as agreed no lates and the balance at $0 and I just got an alert that my score jumped 90 points!! 
I have been waiting for this to apply for a NFCU card. Score went from 555 to 645, so it's now or never. Should I wait a few days to make sure everything updates?
