https://ficoforums.myfico.com/t5/Credit-Cards/NEED-A-QUICK-13PTS/m-p/385066#M129670 <P>Discover is an easy one to ask for an off cycle bureau update. You could always call and ask, but most will not unless there is some sort of error.</P><P>&nbsp;</P><P>When does your statement close? It should be sent to update with the CRA's at that time, then it will take a day or two for them to each update the new balance.</P><P>&nbsp;</P><P>As for the points gained, it depends how much you paid down to the 3%. If&nbsp;UTL was more than 10% I would expect to see an increase, but as always, it depends on your overall reports.</P> Thu, 20 Nov 2008 13:26:03 GMT Anonymous 2008-11-20T13:26:03Z https://ficoforums.myfico.com/t5/Credit-Cards/NEED-A-QUICK-13PTS/m-p/385062#M129667 I just paid off a credit card about 2 weeks ago is there anyway i can get the cc company to report to the cra now instead of waiting for the regular time they report?&nbsp; and do you think i could get 13 pts or more for paying down my debt which is now only 3% or less Thu, 20 Nov 2008 13:15:48 GMT https://ficoforums.myfico.com/t5/Credit-Cards/NEED-A-QUICK-13PTS/m-p/385062#M129667 Anonymous 2008-11-20T13:15:48Z https://ficoforums.myfico.com/t5/Credit-Cards/NEED-A-QUICK-13PTS/m-p/385066#M129670 <P>Discover is an easy one to ask for an off cycle bureau update. You could always call and ask, but most will not unless there is some sort of error.</P><P>&nbsp;</P><P>When does your statement close? It should be sent to update with the CRA's at that time, then it will take a day or two for them to each update the new balance.</P><P>&nbsp;</P><P>As for the points gained, it depends how much you paid down to the 3%. If&nbsp;UTL was more than 10% I would expect to see an increase, but as always, it depends on your overall reports.</P> Thu, 20 Nov 2008 13:26:03 GMT https://ficoforums.myfico.com/t5/Credit-Cards/NEED-A-QUICK-13PTS/m-p/385066#M129670 Anonymous 2008-11-20T13:26:03Z