https://ficoforums.myfico.com/t5/Credit-Cards/APPLE-CARD-and-TransUnion/m-p/6853426#M1896628 <P>I just paid off all my credit cards. I did it last month.</P><P>&nbsp;</P><P>All cards hit all 3 credit bureaus with a zero balance or a tiny balance for interest, except for some reason my Apple Card has not hit TransUnion yet.&nbsp; Last week on the 11th it hit Experian and Equifax.&nbsp; Showing on both a roughly $25 balance for interest. My credit utilization is down to 1 percent on Ex and Eq.&nbsp; But at 37 with Tu becasue of the Apple Card.&nbsp; It was a pretty high balance on the Apple Card.&nbsp;&nbsp;</P><P>&nbsp;</P><P>Anyone else experience this?&nbsp; A long lag with Tu and Apple Card?</P><P>&nbsp;</P><P>I want to reapply for the new Bilt Card.&nbsp; I had the old one so I know it's just a soft pull.&nbsp; &nbsp;My Ex and Eq scores are both around 730.&nbsp; Tu is at 675 so was hoping it might bounce up a bit once the Apple Card pay off hits it.&nbsp; Was planing to apply after Apple hits Tu.</P> Wed, 14 Jan 2026 22:38:40 GMT nomadic_triathlete 2026-01-14T22:38:40Z https://ficoforums.myfico.com/t5/Credit-Cards/APPLE-CARD-and-TransUnion/m-p/6853426#M1896628 <P>I just paid off all my credit cards. I did it last month.</P><P>&nbsp;</P><P>All cards hit all 3 credit bureaus with a zero balance or a tiny balance for interest, except for some reason my Apple Card has not hit TransUnion yet.&nbsp; Last week on the 11th it hit Experian and Equifax.&nbsp; Showing on both a roughly $25 balance for interest. My credit utilization is down to 1 percent on Ex and Eq.&nbsp; But at 37 with Tu becasue of the Apple Card.&nbsp; It was a pretty high balance on the Apple Card.&nbsp;&nbsp;</P><P>&nbsp;</P><P>Anyone else experience this?&nbsp; A long lag with Tu and Apple Card?</P><P>&nbsp;</P><P>I want to reapply for the new Bilt Card.&nbsp; I had the old one so I know it's just a soft pull.&nbsp; &nbsp;My Ex and Eq scores are both around 730.&nbsp; Tu is at 675 so was hoping it might bounce up a bit once the Apple Card pay off hits it.&nbsp; Was planing to apply after Apple hits Tu.</P> Wed, 14 Jan 2026 22:38:40 GMT https://ficoforums.myfico.com/t5/Credit-Cards/APPLE-CARD-and-TransUnion/m-p/6853426#M1896628 nomadic_triathlete 2026-01-14T22:38:40Z https://ficoforums.myfico.com/t5/Credit-Cards/APPLE-CARD-and-TransUnion/m-p/6853440#M1896630 <P>I've had random delays like this with other cards, for sure. In this case, I guess they have a lot going on over there in Apple Card land.&nbsp;</P> Wed, 14 Jan 2026 22:59:20 GMT https://ficoforums.myfico.com/t5/Credit-Cards/APPLE-CARD-and-TransUnion/m-p/6853440#M1896630 RobertS2 2026-01-14T22:59:20Z