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I am finally at 0% utilization....now just have to wait a little for it to show on my reports. About a month?





First of all, congratulations on finally reaching that magical number. You probably hard to work hard to actually get there. I would give it a month or so but I would also be proactive. I have found that some of these agencies like to take their sweet time when it comes to updating their information (despite them being frustrated if you do not pay them instantly).
congrats!!!




Congrats! Remember though that for best scoring one CC should report between 1 and 9%.
@Anonymous wrote:First of all, congratulations on finally reaching that magical number. You probably hard to work hard to actually get there. I would give it a month or so but I would also be proactive. I have found that some of these agencies like to take their sweet time when it comes to updating their information (despite them being frustrated if you do not pay them instantly).
should i dispute the items if i dont see them changed?





Congratulations on paying off your debt! I'm assuming you will be in the garden for a while, but if your planning to app. for something you may want to have at least 1% utilization.
@seeyouthere wrote:I am finally at 0% utilization....now just have to wait a little for it to show on my reports. About a month?
im only after one card right now lol
@TrulyyBlessed wrote:Congratulations on paying off your debt! I'm assuming you will be in the garden for a while, but if your planning to app. for something you may want to have at least 1% utilization.
@seeyouthere wrote:I am finally at 0% utilization....now just have to wait a little for it to show on my reports. About a month?





Congratz!