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My most recent late hit the 12 month mark. Some inquiries did too. I was SO sure that I'd see my score scoonch up a few points (am in mortgage hell waiting for midpoint to go up 3 points). It did not budge. Oh the pain...is it likely it will rise in a few days? Or if I were going to get a boost, should it have happened today? I thought it would on the first(I have CCT at the moment so know it is today's score).
I'm right there with you. I've been waiting 3 weeks since paying off debt to go from a utilization of 69% to 12%. PLUS, another late payment aged 1 yr yesteray. C'mon Capital One, UPDATE!!!!
I'd agree with the timing issue point of view. I've seen variations in weeks waiting for proper updates. Don't sweat it. You'll see that bump soon.