FICO 5 4 2

[Anonymous]

Pay Discover to zero electronically now call them and ask them to off cycle update and it will be reflected in a couple days

[Anonymous]

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@Anonymous wrote:
Pay Discover to zero electronically now call them and ask them to off cycle update and it will be reflected in a couple days

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I just did it this morning. Should I wait until the payment posts to call them? 

[Anonymous]

I would to ensure that the correct updated information is sent and not the same data already reported.

[Anonymous]

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@Anonymous wrote:

I would to ensure that the correct updated information is sent and not the same data already reported.

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Thank you! I called them and they said to call tomorrow after its posts and they will do it! 

[Anonymous]

Yes wait till it’s reflected on the app then call them and ask for an off cycle update

[Anonymous]

Well I did everything. Paid all cards to 0 except NF ($10) and those mortgage scores didn't budge 🤦🏾‍♀️ Guess I'll just wait it out. Just signed the paper work to terminate my contract for my house. Thanks everyone for your help. This credit stuff is not fun lol 

[Anonymous]

Simply paying them to $0 would not have an impact until they report $0 to the bureaus.

On your reports are the cards you've paid to $0 been reported as $0 yet?

[Anonymous]

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@Anonymous wrote:

Simply paying them to $0 would not have an impact until they report $0 to the bureaus.

On your reports are the cards you've paid to $0 been reported as $0 yet?

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Yes they reported 0$ to the bureaus. FICO 8 moved a few points but not FICO 4 

[Anonymous]

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@Anonymous wrote:

Well I did everything. Paid all cards to 0 except NF ($10) and those mortgage scores didn't budge 🤦🏾‍♀️ Guess I'll just wait it out. Just signed the paper work to terminate my contract for my house. Thanks everyone for your help. This credit stuff is not fun lol 

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Did the CO report zero dollars as well? Had it been updating regularly?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Well I did everything. Paid all cards to 0 except NF ($10) and those mortgage scores didn't budge 🤦🏾‍♀️ Guess I'll just wait it out. Just signed the paper work to terminate my contract for my house. Thanks everyone for your help. This credit stuff is not fun lol 

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Did the CO report zero dollars as well? Had it been updating regularly?

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@Anonymous wrote:

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@Anonymous wrote:

Well I did everything. Paid all cards to 0 except NF ($10) and those mortgage scores didn't budge 🤦🏾‍♀️ Guess I'll just wait it out. Just signed the paper work to terminate my contract for my house. Thanks everyone for your help. This credit stuff is not fun lol 

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Did the CO report zero dollars as well? Had it been updating regularly?

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Yes. CO updated on the 16th and Discover on the 19th. I paid NF down to $0 but that won't report until the 23rd. My EQ went from 665 to 675 but that TU (679) didn't budge lol. I'm going to hang out for NF to update to see what happens. Even had a old late payment reported to TU from 2016 get removed and that didn't help it lol