@FinStar wrote:As @chiefone4u mentioned upthread, I've seen some variances where it can take up to ~60 days for the reporting to reflect on CRAs if you leave things as is. What I've usually done in the past (if time permits during the statement cycle + for science), is a 'forced' zero reporting wherein a nominal purchase/payment is done in the same statement cycle. Then, once the cycle closes, it takes about a week or so to view the staggered results on CRAs.
Funny you should mention that... that's exactly what I did with my VS account this past cycle. I had PIF'd it before the April statement cut but neglected to account for the fact that they'd charge interest still since it was a carried balance, so on the April statement I owed like $3. So this past cycle I took DW shopping, put about $300 on the card and then paid it off in full once the purchases posted. Same situation with my Ann Taylor account, I'm just waiting on that statement cycle to close as well.
I know that I'm really splitting hairs at this point and that, in the end, it's probably not a huge deal and will not prevent me from getting good results on my planned auto refi and personal loan apps.
Well, this is a very timely thread. 
I just paid off a closed Comenity account (formerly Barclays/NFL Visa) in good standing and was curious when it would report to the CRA. On my CR it is still listed as a Barclays account (it just transferred to Comenity in the middle of April) so I assume by the end May it will report as a Comenity account with a $0 balance. However, after reading this perhaps I should prepare myself for the end of June. There is no real rush, I'm gardening for a few months but anxious to get it reporting $0 because feel like it's dragging down my scores - current reporting balance is $3300.
Update: my Victoria's Secret account finally showed an update on my CR this morning, with $0 balance and my increased CL. So, five days after the end of cycle... longer than usual but thankfully earlier than I feared. Based on this activity, I think I am going to bite the bullet and let the zero balances ride on IKEA/J.Crew, which are closing cycles over the next couple days. I still have a couple weeks before I had planned to make HP-incurring moves, so I'll just cross my fingers that Comenity doesn't drag their feet on them for too long. Will report back
@sarux3 wrote:Update: my Victoria's Secret account finally showed an update on my CR this morning, with $0 balance and my increased CL. So, five days after the end of cycle... longer than usual but thankfully earlier than I feared. Based on this activity, I think I am going to bite the bullet and let the zero balances ride on IKEA/J.Crew, which are closing cycles over the next couple days. I still have a couple weeks before I had planned to make HP-incurring moves, so I'll just cross my fingers that Comenity doesn't drag their feet on them for too long. Will report back
Good to hear they have gotten quicker with their feet-dragging methods when reporting zero balance.
Another update: the zero-balance Comenity accounts have been trickling their way into my CRs, and only today (11 days after the statements closed) have they all reported across each of the three CRAs. So, I've learned that Comenity will report a $0 balance, they're just going to take their sweet time doing it 
YMMV of course...
@sarux3 wrote:Another update: the zero-balance Comenity accounts have been trickling their way into my CRs, and only today (11 days after the statements closed) have they all reported across each of the three CRAs. So, I've learned that Comenity will report a $0 balance, they're just going to take their sweet time doing it
Same experience here. My transferred Barclays account now shows on my CR as Comenity but it didn't report reported my 4/23 statement balance until 5/9 so it seems I will have to wait until 6/9 for it to report my $0 balance. 