Maybe a dumb question

[Anonymous]

But, does my fico wait for all your credit cards to report to them before they update your report, or do they update as they come in? 2 of my cards should have been closed 2 days ago. I'm not seeing any updates.

[JagerBombs89]

There is usually a few days of lag time between closing dates and when they actually hit your reports.  And if the updates aren't significant enough to trigger an alert, you won't see one anyways.

[Anonymous]

Thank you, I'm waiting for the update because I have a 1500 clip on it and I paid off about 50% off my other cards. Hoping my util is around 15% now.

[Anonymous]

Cli not clip. Lol

[Revelate]

I think the CLI may report on pretty much all of them as a change to the actual tradeline regardless of balance change or not.  

Have to go back and look to see if my most recent USAA auto-CLI triggered a monitoring update, hardly ever use that card so it's unlikely I would've had a balance change on it.

[Anonymous]

Thanks