I have to get a mortgage soon, but I must sure my income-to-debt ratio is low. Thus, I paid off a credit card with MBNA. MBNA was nice enough to send me a letter, the next day, stating that a payment was made in full. Question: How do I get the three credit reporting agencies this letter and have them update the information accurately and quickly, rather then waiting the thirty (30) days to update? - Should I call them and then fax them the letter?? - What other means are available for me to have them update quickly. Background info: I have disputes currently with all three to update the balance information but I can't wait for them to take thirty (30) days. Thanks, Gavenraj
