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POLITICAL POSTS WILL GET YOU BANNED

Glacial... Slowness...

racer7949

By racer7949,
in Credit Forum

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racer7949

racer7949

Posted
Posted

Earlier this month I was fortunate enough to be able to take care of some obligations - it's a big chunk of everything and I'm looking forward to (hoping for?) a nice score bump.

 

Of course, my timing was horrible and all the payments came through just after the closing date, so now I have to wait an entire billing cycle to see the effects (which will be the 1st or 2nd week of October). Time is moving sloooowly...

 

I just wish they would report when the payment was made instead of waiting the full billing cycle - that is, I wish credit reporting was in real time and not batch cycle.

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TheVig

TheVig

Posted
Posted
5 hours ago, racer7949 said:

Earlier this month I was fortunate enough to be able to take care of some obligations - it's a big chunk of everything and I'm looking forward to (hoping for?) a nice score bump.

 

Of course, my timing was horrible and all the payments came through just after the closing date, so now I have to wait an entire billing cycle to see the effects (which will be the 1st or 2nd week of October). Time is moving sloooowly...

 

I just wish they would report when the payment was made instead of waiting the full billing cycle - that is, I wish credit reporting was in real time and not batch cycle.

 

There are pros and cons to this. It's different for everyone.

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hdporter

hdporter

Posted
Posted

Right there with you buddy!  :)

 

Last week I refi'd $8k that was on a credit card 4.9% APR promo (no fee) into a 3.9% installment loan (plug for LIghtStream loans, now a sub of Truist, for the great unsecured rate!)

 

I'm looking for a mortgage score improvement on Bev's FICO's, which was being suppressed (in part) by $16k+ in revolving balances.  And, yes, most glaciers will likely move close to an inch in the time it take for this info to cycle through to her credit reports ...

 

With respect to your situation, some report success with forcing a creditor update by calling and requesting one.  More often than not, the request falls flat.

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