Rebuilding credit

[ttech1080]

I was just curious, as I am rebuilding my credit I have a secured capital one CC with a $200 limit and a Secured $500 loan with my bank Desert Schools.  I had my first payment taken out on my loan the 23rd of this month and have made 2 purchases on my CC and paid them both off.  My question is how long does it normally take for it to start showing on my credit or when will my score watch alert me of these changes to my account.

[llecs]

Did the statement already cut for the CapOne? When? I'd expect within a week from the next statement date. For the loan, do you know if it will report? Some won't. I'd call them. SW will alert you to an added TL if it reports on EQ.

[RobertEG]

When both are entered into your CR, I would expect the most significant change to be an improvement in your mix of credit, which should show both revolving and installment mix.  I would expect that change alone to be of such significance as to trigger a score alert.

[ttech1080]

You are so correct!!! They both posted. The loan took my score down at first to a 555 then today I got an alert once the cap one card hit and my score went up to a 582....almost 30 points wow... Any other advice that can be given so I can raise it any more would be of great help to me. Thanks!!!!

[ttech1080]

Ok just to update I decided to pull my transunion report and pull my equifax again.  so at first I didnt have enough data to get a Transunion Score as of right now I have a 670 fico and my Equifax went from a 558 to now a 599.  this is really promising saying as though I want to buy a new car around Feb when I get my tax return back.  Looking forward to seeing what they are then. 

[ttech1080]

Another update. My Equifax credit is now a 639 . Merry christmas to me.