Fico Score - how long does it take to update?

[Anonymous]

Hi Everyone -

Can anyone tell me how long it typically takes for changes to be shown on your CR?

I paid off two CC's on paid in full a Time Warner collections all on 04DEC.  I now have zero debt and am wanting to apply for a mortgage.  I wondered how long it will take for your FICO score to reflect this?

Thank you in advance!

[Anonymous]

Your score won't reflect the change until it is reported.

This depends on when your CC report each month. Some report in the beginning, some in the middle, some in the end, the others anywhere between. Were these your only 2 CC?

As for the collection, paid or unpaid, it will affect you the same.