https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Settled-a-CO-with-Fifth-Third-through-Apelles-now-what/m-p/4988341#M536512 It's common for a settled account to do a 2 step procedure, first updating the payment then updating your zero. Sat, 01 Jul 2017 14:02:58 GMT rmduhon 2017-07-01T14:02:58Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Settled-a-CO-with-Fifth-Third-through-Apelles-now-what/m-p/4988333#M536511 <P>I settled a CO credit card with Fifth Third last week and it up dated on Experian but only deducted the settled &nbsp;amount paid and still shows 3700 balance not 0 . Should I contact Fifth Third or does it usually update and then go to zero. I have a letter saying it is settled in full from them . This is the first time I have settled a CO , what should I do. Any help would be greatly appreciated.<BR />Thank you all</P> Sat, 01 Jul 2017 13:47:47 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Settled-a-CO-with-Fifth-Third-through-Apelles-now-what/m-p/4988333#M536511 Anonymous 2017-07-01T13:47:47Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Settled-a-CO-with-Fifth-Third-through-Apelles-now-what/m-p/4988341#M536512 It's common for a settled account to do a 2 step procedure, first updating the payment then updating your zero. Sat, 01 Jul 2017 14:02:58 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Settled-a-CO-with-Fifth-Third-through-Apelles-now-what/m-p/4988341#M536512 rmduhon 2017-07-01T14:02:58Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Settled-a-CO-with-Fifth-Third-through-Apelles-now-what/m-p/4988346#M536513 <P>How long should I wait before being concerned about the balance not going to zero. , I got a 23 point boost with the reduction in balance , should I expect another boost when it goes to zero. It is still showing as part of my utilization. Will to take another month before it updates again ? Please advise me .</P> Sat, 01 Jul 2017 14:08:48 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Settled-a-CO-with-Fifth-Third-through-Apelles-now-what/m-p/4988346#M536513 Anonymous 2017-07-01T14:08:48Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Settled-a-CO-with-Fifth-Third-through-Apelles-now-what/m-p/4988352#M536514 If it's being counted in your UTI you should see another bump when it reports zero. If it's showing as having a zero limit the boost should be fairly good since that means you're still over limit. If it's still showing a limit then the boost may be smaller. Generally, it should update on the next cycle so give it about 30 days from the last update. Sat, 01 Jul 2017 14:13:16 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Settled-a-CO-with-Fifth-Third-through-Apelles-now-what/m-p/4988352#M536514 rmduhon 2017-07-01T14:13:16Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Settled-a-CO-with-Fifth-Third-through-Apelles-now-what/m-p/4988357#M536515 <P>It shows a 1800 limit and amount past due as 3700 so it is definitely over the limit. Would it hurt if I disputed it with the CRA and uploaded the settlement letter. Or just call Fifth Third directly and see if they take care of it. Is there any harm in doing that verses waiting , I am very impatient but I know this is a long road. If it won't hurt I would like to be proactive but if you guys think it's best to just see if it updates in 30 days , I think you guys have more experience and knowledge. Please weigh in and let me know what everyone thinks is best .&nbsp;</P> Sat, 01 Jul 2017 14:22:14 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Settled-a-CO-with-Fifth-Third-through-Apelles-now-what/m-p/4988357#M536515 Anonymous 2017-07-01T14:22:14Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Settled-a-CO-with-Fifth-Third-through-Apelles-now-what/m-p/4988406#M536520 I'd wait because sometimes disputing can backfire and make things worse. I'm not sure if asking the OC to update faster would hurt or not. Sat, 01 Jul 2017 15:34:34 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Settled-a-CO-with-Fifth-Third-through-Apelles-now-what/m-p/4988406#M536520 rmduhon 2017-07-01T15:34:34Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Settled-a-CO-with-Fifth-Third-through-Apelles-now-what/m-p/4988634#M536539 Has anyone dealt with Fifth Third or had a CO settled and it didn't update balance to 0 , did you have to wait for a second update. This is my biggest negative, trying to get off my UTL. Thanks Sat, 01 Jul 2017 21:34:55 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Settled-a-CO-with-Fifth-Third-through-Apelles-now-what/m-p/4988634#M536539 Anonymous 2017-07-01T21:34:55Z