I have recently paid off almost all of my debt (or transferred it around a bit). My CE score is up 8 points and only showing 2 payments (a total of $325). Card A $300 limit $24 balance & Card B $3000 limit $2400 balance -actual balance is $1400 - last check missed the update time ( I have 6 more accounts that are paid off $0 balance-show almost maxed out on report. Can't wait until they start updating! I'm at 612 now ) EQ is 598 (634 now while disputing a neg) TU is forever 539 no matter what happens to the report
TU is stupid!! You can have 10 deletions and add 5 positives with 15+ yr positive history and still NOT gain a single point. They must update scores bi-annually or something. I'm filing my suit on them next week.
They don't "update" your score at a particular interval. Your credit history is an ever-changing thing. Your score isn't 'updated' or 'changed' -- it's generated at the time it is requested, and it's based on the content of your history AT THE TIME OF GENERATION. Potentially, your score could change on a daily basis. Not a damn thing changed on my Experian report, and it went DOWN 5 points this week.
