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?