How long does it take for TU to report?

[ChrisinKC]

I paid off one of my credit cards that had a balance of around 7500 and the limit is 9000.  This is the last payment that I'm waiting to post before applying for a mortgage.  My statement closed on 4/23, and on 4/26 (yes, Sunday), I received an alert from FICO saying that a balance change had been detected on my Experian report.  A little while later, I received the same alert for Equifax.  Both of those scores have improved.  The score that I really NEED to improve is TU, but I have yet to receive any alert indicating that the balance change has occured.

Equfax is low and always has been.  I have an old collection on there, and the hospital will not do PFD, so I will never pay them.  The collection is from I think 2008, so it should be dropping off soon.  7 years, right?  

Experian is my highest, and always seems to be, even though I don't have any negatives on my TU or Experian reports.  Since my mortgage is going to be based on the middle score, I really need TU to report.  

I don't actually know what my mortgage scores are now, because I have paid off $13,944 in the past month trying to get my mid score to 740+.  My starting TU mortgage score was 723.  I hope I can gain 17 points on that by paying off my $13,944 debt out of $17,800 debt on my $78k revolving credit line.

[takeshi74]

It varies but many find TU to lag behind the other two.  Give it a few more days.  All we can say is that it will update when it updates.

[EW800]

I agree with the above comment.  TU is nearly always the last CRA agency to update for me, often by a matter of several days.  

[ChrisinKC]

So I finally received a notification that my TU balance has decreased and my FICO 8 score shot up 16 points.

I'm now ready for my credit to be ran.  Is there anyone who has experienced their score going up on FICO, but for some reason your lender doesn't get the new score because of potential delays?  Just wondering if I should give it a day or two before running my credit.

Also, if my lender were to run my score now, and for some reason the score wasn't yet reflective of the most recent payoff, and the lender ran my score again in a week or so (and assuming NO other changes), would my score be lower just because of the first hard inquiry?

[Kenny]

---

@ChrisinKC wrote:

So I finally received a notification that my TU balance has decreased and my FICO 8 score shot up 16 points.

I'm now ready for my credit to be ran.  Is there anyone who has experienced their score going up on FICO, but for some reason your lender doesn't get the new score because of potential delays?  Just wondering if I should give it a day or two before running my credit.

Also, if my lender were to run my score now, and for some reason the score wasn't yet reflective of the most recent payoff, and the lender ran my score again in a week or so (and assuming NO other changes), would my score be lower just because of the first hard inquiry?

---

Here's what you need to understand. Your credit reports immediately update once the information is transferred to the bureaus. So, once you verfied that you got the score alert with the information -- that's on your report that alerted you to it. 

Yes, hard inquiries affect your credit score, but that number varies per person. It's not usually the same amount of points, just depends on your credit profile picture.  

Instead of being so angry about your credit situation, just arm yourself with information. Go to the understanding fico scoring forum, and read read read. That's the best thing you can do right now.