Expediting Update of FICO Score

[Jazee]

I just paid down a revolving account so my total credit utilization is under 30% and paid off a parking ticket that had gone to collection.  I need to apply for an auto loan soon.  Regarding paying off the parking ticket, is it worth the time and hassle to ask for an adjudication notice and forward it to any credit reporting agency showing that past due account, or will it still take about the same time if I just wait?

[Anonymous]

What was the full dollar amount of the collection?  If the amount was less than $99 then it should not have an impact on FICO 8, paid or unpaid.  With the other scoring models an unpaid small collection hurts you a lot.

[Jazee]

$85.