Credit report hasn't updated in 23 DAYS....

[Anonymous]

I paid off all my balances to 0%...Been waiting on reports to updatE..Did the simulator score on experian..Says I should go from 735 TO 813 after I paid it all off...WANNA apply for a couple cards but DONT wanna until it updates...SHOULD I STILL APPLY OR JUST WAIT FOR EM TO UPDATE

[Anonymous]

If all your cards are reporting 0% your score will go down, not up.  Just FYI

[Anonymous]

my credit not updated close to 3 months , this month i pay off a financing i take and i receive 2 credit line increase , mi utility down to 5% too ,  i think i have a better score now , but last update february. 

[ecxpa]

It is hard to synchronize all 3 CRA's........seems some lenders report to all 3 on same date.....some don't or the CRA just take their time updating.   Just because one CRA shows zero balance oesn't mean they all wll.  Also paying off a financed acct doesn't have the same effect as paying off a credit card.

[Anonymous]

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@Anonymous wrote:
I paid off all my balances to 0%...Been waiting on reports to updatE..Did the simulator score on experian..Says I should go from 735 TO 813 after I paid it all off...WANNA apply for a couple cards but DONT wanna until it updates...SHOULD I STILL APPLY OR JUST WAIT FOR EM TO UPDATE

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Like somebody said previously a 0% utilization is not a good thing. The sweet spot is between 1% and 5%

[Anonymous]

The score will go down if they are going from like 2% or 4% util to 0% but how do you know he isn't going from 50+% to zero because that would make your score go up..

Where are you getting your info from to know your reports haven't updated (my fico, ck etc)and then we can give you some more guidance.

[Anonymous]

My util fluctuates between 1-3%.  My scores are at their highest at </= 1%.  When I went up to 2%, my TU dropped 10 points.  Not that I'm counting, I'm in the garden for a while, I'll play the 1-9 trick when necessary to bring my scores up.

[MarineVietVet]

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@Anonymous wrote:

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@Anonymous wrote:
I paid off all my balances to 0%...Been waiting on reports to updatE..Did the simulator score on experian..Says I should go from 735 TO 813 after I paid it all off...WANNA apply for a couple cards but DONT wanna until it updates...SHOULD I STILL APPLY OR JUST WAIT FOR EM TO UPDATE

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Like somebody said previously a 0% utilization is not a good thing. The sweet spot is between 1% and 5%

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There is no one right or wrong answer to this. While some say 1-5% utilization works well for them others say 7 or 8% brings the best result.

Each person needs to experiment over several months to see what seems to help them the most.

As for me I've had 1% utilization for as long as I remember.