Need help please

[curioustraveler]

Hello all I could really use some guidance, I'm about two months away from closing on a new home build and I have a lot of stuff going on personally. With everything going on my wife accidentally had her credit card go over the limit.

And she missed the payment and paid it 10 days late and the statement already closed and was reported over the limit to the credit bureaus.

As a result dropped my scores 20 to 30 points I was wondering I just ordered a new Fico report and spent the $50 today to see my new mortgage scores and was just wondering if those are the correct scores once I order the report since the new balance was reported yesterday or is the new mortgage scores not calculated yet. The reason I ask is my transunion mortgage score dropped 17 points but Experian and equifax didn't change at all.

Thanks !!

[FireMedic1]

Welcome @curioustraveler 

Depends when the OC reported it and it reflected on your pull today. Not always instant. It will bouce back next month to where it was. Side note. Carrying high balances doesnt help scores in all catagories. Util has no memory.

[curioustraveler]

Thanks I know we have zero balances on everything it was just a mistake. I hope it was reflected today there pulling my scores in 2 weeks, I'm wondering if I can pay it off and have the creditor report it again for me ?

---

@FireMedic1 wrote:

Welcome @curioustraveler 

Depends when the OC reported it and it reflected on your pull today. Not always instant. It will bouce back next month to where it was. Side note. Carrying high balances doesnt help scores in all catagories.

---

[FireMedic1]

Whos the creditor? Some will send in a new report.

[curioustraveler]

Merrick bank

[FireMedic1]

Not sure if Merrick will do an update off cycle. Few do.

[curioustraveler]

Sorry don't understand what your saying ?

---

@FireMedic1 wrote:

Not sure if Merrick will do an update off cycle. Few do.You do have at least 1 report a small balance after statement cuts correct? Saw I pay them all off.

---

[FireMedic1]

---

@curioustraveler wrote:

Sorry don't understand what your saying ?

---

@FireMedic1 wrote:

Not sure if Merrick will do an update off cycle. Few do.You do have at least 1 report a small balance after statement cuts correct? Saw I pay them all off.

---

---

Fixed it. Sorry. Not in the best wifi zone at work. Its up. Its down. Story got mixed up.