https://ficoforums.myfico.com/t5/Credit-Cards/USAA-Secured-Credit-card/m-p/4143656#M1170450 It will likely take a month or two for them to update your report with regards to utilization.<BR /><BR />The negatives will stay on your report for 7 years unless you can get them to remove the notes for "good will".<BR /><BR />Have you spoken with the collections department? They are hard to reach -long wait- on hold, but are pretty good about letting you know the timelines if you ask specifically.<BR /> Wed, 22 Jul 2015 16:02:51 GMT gibeon 2015-07-22T16:02:51Z https://ficoforums.myfico.com/t5/Credit-Cards/USAA-Secured-Credit-card/m-p/4143574#M1170417 Hi all...new here. I have been behind on finances the past few months and in doing so got behind on my credit card bill. It's a secured credit card with USAA with a 500.00 limit and I had a CD as the security deposit. Well it was closed. I've been going through a lot and trying to get my life back on track. I called the company to work it out but it was too late. I know that impacts my score negatively I just need advice on what to do. They used my CD to pay my balance but it still shows up on my credit report as being utilized. What do I do? Will my credit report always say that? Wed, 22 Jul 2015 15:00:40 GMT https://ficoforums.myfico.com/t5/Credit-Cards/USAA-Secured-Credit-card/m-p/4143574#M1170417 Anonymous 2015-07-22T15:00:40Z https://ficoforums.myfico.com/t5/Credit-Cards/USAA-Secured-Credit-card/m-p/4143656#M1170450 It will likely take a month or two for them to update your report with regards to utilization.<BR /><BR />The negatives will stay on your report for 7 years unless you can get them to remove the notes for "good will".<BR /><BR />Have you spoken with the collections department? They are hard to reach -long wait- on hold, but are pretty good about letting you know the timelines if you ask specifically.<BR /> Wed, 22 Jul 2015 16:02:51 GMT https://ficoforums.myfico.com/t5/Credit-Cards/USAA-Secured-Credit-card/m-p/4143656#M1170450 gibeon 2015-07-22T16:02:51Z