Need score back up fast

[busyone]

I shot myself in the foot!!!   My BOA card has a $7 K limit on it. I use it every month and

pay it off or way down every month. Well same thing in July. Statement due date was 7/12

and I paid it to 0. Then on 7/16 I used $6 K of it and plan to pay it back off by Aug. due date.

However BOA didn't report till 7/17!!!  They got me,lol. So my SW tells me my Eq. went

from 758 to 723...ouch    My Exp. went from 683 to 657 (Exp. hates me)

     I need to get back up to where I was and can't wait another month. Is there any action I can

take to get new balances reported sooner? I plan to pay the BOA card off this upcoming week.

   Eq. simulator says I could be 748-783 with reveolving paid off. That's where I need to get

back to.  Thanks for any help regarding this.

[haulingthescoreup]

Are you getting ready to app for something, or is it just making you crazy looking at it? If you really need the $0 reported to improve scores for a car loan app or something, you can try asking them to report again.

Did they close your statement later than usual, or does your July statement show the $0 balance, but the reported the intercycle balance? If so, they might be more willing to update for you. Discover did that to us after Christmas (reported twice), dropping our scores, and they were very good about immediately re-reporting.

[busyone]

Hi, thanks for responding.  Actually both, it is driving me crazy and also my business is

looking for a business loan. It did close later than usual. The due date said 7/12 and I paid

it off on the 11th. I did not use it again till the 16th but for some reason it reported on the 17th.

Thanks