Growing Impatient....

[jojomomma]

 I pulled my reports on Jan 11, 2013.  By Jan 23, 2013 I paid off more than 50% of my credit card balance which was at 87% usage on Jan 11.  No new charges or balance increases, payments posted and credited prior to billing/closing date.  On Jan 23 I had a collection, AU accnt, removed from TU report as well.  No new activity, no apps, no inquiries etc.   No alerts or changes via score watch.  I know negative things affect your scores almost immediately but how long does it take for the good to be recognized?

[NewbieReed]

The CC company needs to report the new balance - which should cause a significant jump in ur score. When does the CC report to the CRB? (if u dont know, u can call to find out or look at old reports)

[jojomomma]

When I pulled the reports on the 11th the CC balances  matched my reports exactly so I assumed the new balances would have reached the CRA by now.  I assumed the CC's had reported to the CRA within days prior to the pull on the 11th because the balances were current, inclusive of payments made on dec 28th.  

[Gunnar419]

You can also always ask your cc vendors to do an extra report after making a significant change (congrats on that!).

I don't know whether all will. But if they do, then you'll see the change within about three business days.

[jojomomma]

I think I will call them tomorrow to find out their reporting dates.  I have been paying them every 2-3 days, my auto/debit bill pay thinks I'm nuts.  I wanted to make sure I had enough acitivty to get an alert/notice from score watch....score watch I need you, I want you!!! sighs......maybe by valentines day!???