From my experience once I get a new credit card the creditor reports it in about 2 weeks. Payments get reported on the same day every month regardless if I PIF or carry a balance. For my personal loan it took 1.5 months before it first got reported and then it hasn't been consistent on reporting when I make a payment, it reported on June, August and so far I am waiting. IMO, I see no reason for the creditors to report faster than usual if you charge a high balance or PIF, reports should be once a month and consistant.