https://ficoforums.myfico.com/t5/Credit-Cards/How-long-does-it-take/m-p/324898#M110038 <DIV>Once the CCC, Chase in particular, send in their updates, how long until it actually shows on the CR? I completely PIF today and the statement will cut tommorow. Just not wanting to pull a new report too soon next week. BTW they have recently sent me some killer BT offers- 0% for 6 months or 2.99 for the life of the balance, which inspires another question. I've got a $6k bal on my C1 which is 80% of that CL of $7500. My Chase card is a $12500 CL. Is it possibly I might get a little bump up in scores for getting the util on the C1 down by BT to the Chase card? It will take me about 3 months to finish PIF. It's not really a matter of rates as the C1 card still has 0% for another 5 months or so, just a score issue.</DIV> Fri, 22 Aug 2008 18:24:07 GMT williewonka 2008-08-22T18:24:07Z https://ficoforums.myfico.com/t5/Credit-Cards/How-long-does-it-take/m-p/324898#M110038 <DIV>Once the CCC, Chase in particular, send in their updates, how long until it actually shows on the CR? I completely PIF today and the statement will cut tommorow. Just not wanting to pull a new report too soon next week. BTW they have recently sent me some killer BT offers- 0% for 6 months or 2.99 for the life of the balance, which inspires another question. I've got a $6k bal on my C1 which is 80% of that CL of $7500. My Chase card is a $12500 CL. Is it possibly I might get a little bump up in scores for getting the util on the C1 down by BT to the Chase card? It will take me about 3 months to finish PIF. It's not really a matter of rates as the C1 card still has 0% for another 5 months or so, just a score issue.</DIV> Fri, 22 Aug 2008 18:24:07 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-long-does-it-take/m-p/324898#M110038 williewonka 2008-08-22T18:24:07Z https://ficoforums.myfico.com/t5/Credit-Cards/How-long-does-it-take/m-p/325095#M110117 WW,<BR /><BR />Don't BT to another card if you are going to pay it off the entire amount in a couple of months. However, if you won't or can't, then yes. If it only for the sake of FICO, leave it alone. Fri, 22 Aug 2008 23:07:46 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-long-does-it-take/m-p/325095#M110117 Anonymous 2008-08-22T23:07:46Z https://ficoforums.myfico.com/t5/Credit-Cards/How-long-does-it-take/m-p/325352#M110172 <DIV></DIV> <DIV>If you are going to be PIF in a few months, unless you need a few extra points before app'ing for a mortgage or something, I would it be.</DIV> <DIV>&nbsp;</DIV> <DIV>Overall util won't change by the BT, just individual util.</DIV> <DIV>&nbsp;</DIV> <DIV><BR />&nbsp;</DIV> <BLOCKQUOTE> <DIV> <HR /> williewonka wrote:<BR /> <DIV>Once the CCC, Chase in particular, send in their updates, how long until it actually shows on the CR? I completely PIF today and the statement will cut tommorow. Just not wanting to pull a new report too soon next week. BTW they have recently sent me some killer BT offers- 0% for 6 months or 2.99 for the life of the balance, which inspires another question. I've got a $6k bal on my C1 which is 80% of that CL of $7500. My Chase card is a $12500 CL. Is it possibly I might get a little bump up in scores for getting the util on the C1 down by BT to the Chase card? It will take me about 3 months to finish PIF. It's not really a matter of rates as the C1 card still has 0% for another 5 months or so, just a score issue.</DIV><BR /> <HR /> </DIV></BLOCKQUOTE> <DIV><BR /></DIV> <DIV></DIV> Sat, 23 Aug 2008 03:44:24 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-long-does-it-take/m-p/325352#M110172 Anonymous 2008-08-23T03:44:24Z