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Posts: 3
Registered: ‎09-25-2012

How long does it take for FICO score to update?



I'm not going to lie, I've gotten myself into some bad habits of going on a shopping spree with my CCs being young and naive.


I was about 10K in utilization @ 95% and I recently paid most of them off today to $2.5k in utilization at around 25% utilization now.


My FICO is currently 680 and I haven't applied for a card in over 13 months.


I'm planning to apply to get a new credit card to take advantage of some nice benefits.


I was wondering how long does it take for FICO scores to update?

Established Contributor
Posts: 599
Registered: ‎03-10-2012

Re: How long does it take for FICO score to update?

i don't know how many cards that 10k was spread across, but For example, assuming it was just 1 card....if your statement closes today with it paid down to 2.5K, then depending on which report  and who the card issuer is, you would likely see it updated between tomorrow and 5 days from now. Certain times it can take upwards of a week for it to show up on your report though.

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Community Leader
Super Contributor
Posts: 5,848
Registered: ‎10-03-2008

Re: How long does it take for FICO score to update?

[ Edited ]

For my accounts, I find they either report within a couple of days after statement cutoff or after the calendar month ends. Note when a new account is set up I have seen it take three months to get in the system of regular reporting. Banks I deal with are Discover, Citi, Chase, FNB Omaha, USAA Federal Savings, US Bank and a local bank.

Starting Score: 760
Current Score: 812
Goal Score: 850

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