Rebuilding Your Credit

[king82]

I paid off around $2000 in my credit cards today and the ficosimulator said my score would go up from 604 to 664-694.

Just wondering when should i pull my credit report ? tonight midnight ? when do the balances usually get posted ?

I heard the beamus software calculates the balances as it pulls off the report.

Please help.

[kt_scarlett007]

You should wait at least 30 days---it takes a couple weeks to get stuff updated--if you get credit score updates on here you could wait until the next updated info and then pull the official report.  That would be my suggestion.

[800FICOwannabe]

You're balances are updated monthly on or around your credit cards statement date.  Thus, if your statement date is the 15th, then whatever your balance is on that date is what will be reported to the CRAs - therefore, it may take 30-60 days to catch all of your cards.

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800FICOwannabe

07/01/09 - FICO scores: EQ - 696, TU - 622 (Asset Acceptance reinserted as a new collection)
06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534