Should I dispute or wait

[Red1Blue]

I made a settlement and paid the amount. Creditor said they sent the information to all 3 CRAs and they say it would take 30-45 for CRAs to update the that it is paid off and show balance $0 from current $6140. I have no idea how long the CRAs would take to update the information. If my util is reduced by $6140 and CO stops my score might see some improvement. Should I wait or dispute? Any suggestions?

[dragontears]

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@Red1Blue wrote:

I made a settlement and paid the amount. Creditor said they sent the information to all 3 CRAs and they say it would take 30-45 for CRAs to update the that it is paid off and show balance $0 from current $6140. I have no idea how long the CRAs would take to update the information. If my util is reduced by $6140 and CO stops my score might see some improvement. Should I wait or dispute? Any suggestions?

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How long has it been? 

[Red1Blue]

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@dragontears wrote:

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How long has it been? 

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Hi @dragontears they told me they mailed it on 2/14.

[FireMedic1]

Its usually 30-45 days. Here's where the the ole saying "Good things come to those that wait" comes in. Patience grasshopper. It will come.

[OmarGB9]

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@Red1Blue wrote:

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@dragontears wrote:

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How long has it been? 

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Hi @dragontears they told me they mailed it on 2/14.

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It's only been a few days. They're right that it usually takes 30-45 days, sometimes up to 60 days. Don't dispute, as that could interfere with their process and make it take even longer. Just be patient.