Just paid off some large debts. What is the fastest way to get my report to update?

[Calidreaming]

I was just able to pay off a few of my largest debts. My credit utilization has been the biggest drag on my credit score. Also, my DTI has been near 50%

Now that I’ve paid off a big chunk of my debt, I am finally in a position to take out a car loan. My current vehicle is very old and is going to need some big repairs very soon. Also, I’ve found a good deal on a late model used car I’d like to jump on. I really would like to be able to apply within two weeks, if not sooner.

Looking over my report, it appears the biggest creditors have already reported for the month. What is the best way for me to get this updated faster? My credit score is good enough to qualify for a auto loan now, but the DTI is the main problem.

I was wondering whether doing an online dispute could speed up the process. Are there other ways to get the report updated faster?

[OmarGB9]

No, a dispute wouldn't speed anything up. If anything, it'd slow things down even more because the bureaus would put your disputed accounts on hold while they do their investigation which may end up taking a lot longer than a couple of weeks. I understand you want to jump on that deal, but being patient is all you can do right now.

[Calidreaming]

Definitely not the news I wanted to hear, but thanks for responding!

[calyx]

You can always call the lenders and request an off cycle report.  Some will do it, some won't.   Either way it wouldn't hurt to try.

[Calidreaming]

Thanks Calyx! Good idea!!