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  1. It showed up at 7pm last night. For some odd reason, 3 days late (never done that before) at any rate, score jumped 38 pts!!
  2. Chase Freedom Visa. CL $2200 and I paid down to $475. No report to any of the three bureaus so far (I have scorewatch on myfico.com). Payment made on 9/15 and has always reported (for 12 months straight) on either 22 or 23 of every month.
  3. Been through this before (unfortunately), so I know the dril and have been paying off cards to lower my overall use and was down to the last one. It was a biggie, so paying it down should raise my score a good 20-30 points minimum (it will take my usage below 15%). This card has reported to credit bureau on the 22nd of every month for at least the last year. Of course, this month, to my surprise, when I really need it to, it has not reported (today is the 25th). Im trying to get report in order for a HELOC and have an appointment with loan officer tomorrow. Any ideas why this is happening?

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