Credit Card Center Advertiser Disclosure

Established Member
Posts: 32
Registered: ‎01-07-2012
0 Kudos

How long do we have to wait to see a change????

Ok Im going to make this as short and sweet as I can.  Hubby and I are looking to buy a house. I called the lady at the bank after they pulled our reports. She didn't say what my scores were but said they were ok. Bad news was my husbands were between 555 and 589. Mine can't be too far from there.  We filed for bk 3 years ago this past AUG 17th and it will be discharged for 3 years as of NOV 25th.  Since then  He was able to finance a truck and between us we have  about 16 credit cards. They were pretty maxed out. That's what she said would be stopping us from getting the home.  We came straight home and paid them all down to 30%. How long will it take to see a change from that.  All together we paid about 4000 out to get them down to 30%.  Thanks for your help!!!!!

BK7 7/2009 EQ512
7/2015 CK 402??? Walmart TU 653
Goal: 675 Across the board!!!!
Cap1 850/ Cap1 Biz 850/ Sony 600/ Journey 850/ Merrick 1100/ RRFCU 500/ Credit1 1100/ Cap1 was Orchard 750/ FP 300/ Firestone 2000/ Walmart 600/ Barclay NFL 500/ Maurices 1660/ Kays 4300/ Amazon 300/ Paypal Smart Connect 500/ Bealls 1000/ Summit Raching 1500/ Lane Bryant 900/ Target 800/ Catherines 1100/ Old Navy 200/ Overstock 3200
Regular Contributor
Posts: 208
Registered: ‎08-16-2012
0 Kudos

Re: How long do we have to wait to see a change????

[ Edited ]

your accounts  should report the new balances as the statement cuts. Will take the CRA's a couple of days to update there info  also you should see a score increase due to you utilization being lower. 

Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750


Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.