It's been about 40 days since my refi was completed. BOA is still carrying as OPEN accounts. The first payment on my new mortgage is due 6 days.
I've called BOA twice to request they update, was told they'd expedite. It hasn't been done. I have lots of patience, but it's wearing thin! (You can bet that if I was one day late on a payment, they'd sure as h**l report that!)
I'm considering filing a dispute: Closed and paid on both. (Mtg. and HELOC) What are the hazards??
Thanks,
D-R
(And to add insult to injury, BOA is the servicer on my new account!! 
I wonder how long it will take them to report that?)
@cobaltnv wrote:
It took 2-3 months for my refi to hit my CR (National city on both original and new). I would leave it alone for now and give it another month or two. Is there a reason you are in a rush to get the reports to update?
Cobalt, thanks for the response.
None other than to figure out how: 1.) doing the refi on my primary, 2.) paying off a vacation-home mortgage, and 3.) adding a CC will affect my scores. The refi included a HELOC which affects CC utl.
My scores were in the same range as yours when pulled for the loan. TU 807: EQ 813: EX 817 (9/21/09, Loan officer pull) DH's were about 10-14 higher. I'm relatively new at this FICO scoring thing and just very curious.
It may be that "bucket" thing I've read so often on here..... just wondering if I'm about to be dunked! 
@Anonymous wrote:
@cobaltnv wrote:
It took 2-3 months for my refi to hit my CR (National city on both original and new). I would leave it alone for now and give it another month or two. Is there a reason you are in a rush to get the reports to update?Cobalt, thanks for the response.
None other than to figure out how: 1.) doing the refi on my primary, 2.) paying off a vacation-home mortgage, and 3.) adding a CC will affect my scores. The refi included a HELOC which affects CC utl.
My scores were in the same range as yours when pulled for the loan. TU 807: EQ 813: EX 817 (9/21/09, Loan officer pull) DH's were about 10-14 higher. I'm relatively new at this FICO scoring thing and just very curious.
It may be that "bucket" thing I've read so often on here..... just wondering if I'm about to be dunked!
LOL 
Desert, your scores are high enough that you don't have anything to worry about.
The mortgage/HELOC will count as "new accounts" affecting AAoA and you will have the inquiries related. But having 1 or 2 mortgages shouldn't affect your score a whole lot in the interim.
But do let us know what changes you find....very interesting to see these score levels and how they will be affected.
Every lender I've seen takes a full two months to report new mortgages and closed mortgages. In fact, you'll often see on your credit reports that the most recent mortgage balance is from 1 or 2 months back. 
Granted, a HELOC isn't a mortgage, but if it was being handled by the mortgage department, it might be taking the same leisurely route as straight mortgages.
Looks like the thing to hope for is that they cease reporting the two closed accounts at the same time they begin reporting the new one. While it would be nice to see what you scores looked like with none reporting, I'd hate to think what it might look like with all three.
I wouldn't dispute, though, not yet. But if all three hit, I definitely would dispute then, including politely-but-firmly telling BofA to do an extra update to get the two old ones showing as closed.
Granted, a HELOC isn't a mortgage, but if it was being handled by the mortgage department, it might be taking the same leisurely route as straight mortgages.
Looks like the thing to hope for is that they cease reporting the two closed accounts at the same time they begin reporting the new one. While it would be nice to see what you scores looked like with none reporting, I'd hate to think what it might look like with all three.
I wouldn't dispute, though, not yet. But if all three hit, I definitely would dispute then, including politely-but-firmly telling BofA to do an extra update to get the two old ones showing as closed.
Thanks all,
I will heed the advice given..........
(for as long as I can stand it. )
(which may not be very long..... 
)
D-R, who's trying to remember.........
Patience is a virtue, Patience is a virture, Patience is a virtue, Patience is a virture, Patience is a virtue, Patience is a virture,