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When do the CRAs update? How frequently do creditors report information?


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I need 25 points on my EX score to get a mortgage through my CU. I've paid down all my CCs, and challenged everything I could find that I felt I had a shot to have removed. One of those is an old, PAID collection that is still showing as unpaid. I haven't heard back on that dispute yet. But on my report, it's still showing my CC balances the same as they were last month, even though everything is zero! When will it show the current balances and any possible change in my score? XhairX

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I had the same problem and called the credit card company today to see when they report the TL and they told me they report it at the end of the month. My other credit card reports at the beginning of the month, so I guess they are all different. It sucks because I needed it to show a $0 balance so I could get a loan.

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