ooodsie wrote: I am having the same issue right now.. Charged $3000 to a previously inactive card and immediately paid it off and also had a new line of credit show up that I had paid down to $0 but is still showing a balance of $7k on the report.. If both are actually $0 balances now, how long until the score updates to reflect the decreased balances? I am in the process of buying a house, and this is something I really don't need to be happening right now - my score went down 60 pts and this is really hurting my chance of getting good rates! (Went from 750 to 689 overnight!)