I have used a few credit reporting services and simulators when deciding what steps to take to improve my credit in the past few weeks. Most are FAKO's that I simply used to get an idea of what changes seemed to make the most impact. I have copies of of my report from the 3 bureaus from early 2014 and one from 2 weeks ago via annual credit report. (experian I believe) In the last week, I have paid down some balances, rec'd a CLI and been approved for 2 new cards. I am chomping at the bit to see what overall effect it has made on my score compared to where I was a couple years ago and to see what effect these changes made since before I made them. I would prefer to save the other 2 free reports until later in the year. I have considered paying for a full report via this site, but I also want to make sure that I get updated information when I do. I considered buying an yearly membership, but that is hard to swallow since I do not plan on making any changes for 4-6 months if I can help it. (so it is what it is, regardless of whether I look at it or not)
Basically, how long after I made these changes should I wait to make sure that the information I see on my CR is up to date and include the recent changes. A week, a month, 3 months? I understand that it may well be up to the specific agencies reprting, but I am also beyond excited to see the quantitative impact of the choices I have made.
