I recently sold a house and with the (very small) windfall, paid off some credit cards with the specific intent of raising my score in order to apply for a HELOC on my current house. Coincidentally, all of these cards close on the 18th of the month (Chase, AT&T Universal - through Citi, Home Depot - also through Citi, & Discover). All of these were over 40% util, HD & AT&T were both over 80% util. It's now been 10 days or so and I haven't gotten any ScoreWatch updates that anything has changed. I didn't expect wonders but I thought I'd get at least a little FICO love.
Does anyone know how long after closing date these cards report? Or, do any of these report on dates other than statement closing date?
