Confused about balance being reported.

Cblock19 · ‎06-07-2026

Good afternoon,

I have paid a large sum amount of money and my credit score has gone up about 35 points. Problem is on account it still shows no reduction of amount in my credit card balance. I'm planning to buy a house next month and not sure if that will affect my DTI despite of my scores going up nearly to 740... but it still shows a huge amount of utilization that is incorrect since I've paid everything off..

all payments were done the past 2 months I figured something should've changed in the balance reported, a little worried now

Thomas_Thumb · ‎06-07-2026

As an FYI the credit card debt used for DTI is the minimum payment due for each card, not total balance(s).

Although a CC payment (or payments) were made, the new CC balance(s) may not show as updated on a report until after the next statement date.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950

Vinjints · ‎06-07-2026

Where are you seeing your reports? Annual credit report, bureau sites, credit karma? Do the cards show updated balances and available credit?

NFCU Flagship (Daily Driver) | USAA Rewards (1999 Hooptie)

AmEx BCP (Groceries) | Aven Rewards (Groceries) | Chase Prime (Amazon) | Citi Custom Cash (Dining) | Elan MCP (Utilities)

EX(F8) 780 | EQ(F8) 802 | TU(F8) 796 | EQ(BC8) 810 | EX(10T) 782

SusanJA · ‎06-10-2026

If you've made new purchases that could explain it.