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Discussion in 'Credit Talk' started by Carrie, May 4, 2001.
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I would say you need to wait for the balances to report to the bureaus. CC cos report once a month. I would wait 30 days after you paid before pulling another report to make sure they are updated.
It takes 30 calender days from the date they canceled your checks generally. This is administrative database updateing cycle between the creditor and the CRA.
You should recieve score enhancement increases for each of the first 3 calender months from the date the zero balance was reported to the CRA's approximately 120 days.
Paying a balance to zero does not "close" the account. If your desire is to no longer use one or both of these accounts. then you should request that these accounts be listed as closed on all of your CRA reports. They will not automatically do it .
This will create an additional small score increases for the first 3 months after the CRA's has the new report from the creditor.
Just little comment regarding MAXIMIZING score increases.