How long will it take for credit card payoff to show on credit score?
88835
It all depends on how fast your credit card company reports it to the credit bureaus.  How long has it been?
175445
You need to look at the original contract with the credit card company.   Generally it's 60 days.
23622
It varies depending on your bank but probably at least 5 business days, unless it's a government check then it should clear quicker.
457465
I am in the same boat and have the same questions.  Be patient.  I started this last fall (around Oct 2005) and found that my credit score increased about 10 points within the first couple of months and now it sits there, unchanging, even though I pay off in full on my one credit card on time every month.  There is no definitive answer.  But it can happen.  And it will happen.  Keep doing the right thing.\n\nBy the way, if you can get a PayPal Visa credit card, and you probably can, once you get it, you can check your "credit profile" for free as often as you want.  It will list a summary of your credit standing.  Again, I like this because there is no charge.
1147624
creditor and it's report stays on your report for a minimum of 7 years.....However, if your current credit is positive and stays clean for at least 24 months....you will mitigate most of the damage the bad debt does to your FICO score.....\n\nMost the time, it will take you written requests, follow up to actually get it removed directly to each of the reporting agencies - obviously you need to wait 7 years to even begin to try.\n\nBut, again, it's your recent activity of demonstrating credit worthiness that will count the most.
124150
It really depends on the credit company you are using.  I use LandAmerica.  And with them, I first figure out what can be done to raise the credit score.  (They have a system that allows you to see what needs to be done to obtain a certain score)  Its just an estimate, but pretty helpful.  Once that is done, you make the changes that are needed.  (Pay off that credit card, move around balances, get a letter from a collection agency that says something was mis-reported... and so on)  Once you have your proof that your credit needs to change, you supply that to the credit company and they supply it to the different Bureau.  I think the cost from company to company is about the same.  (About $25 per Credit Bureau per line item) Once that is all sent in, it will take about 5-7 business days.  Good luck!
200993
If you just paid them of it will usually take about 30 days for that to reflect on your credit report.. how bad is your credit if is under 600 you should contact a company called nations point.. 800-770-4277 or H&R Block Mortgage  they usualle work with people that have less than perfect credit.. if you credit score is under550 you should waith or else your interest rate will be really high .. if your credit score is over 600 or better then call E-loan they have some really good programs .. that might be able sutable for you. I work in the mortgage industry
443267
Pay your bills by the due date. (even if it is the minimum) any thing paid after the due date reduces your rating. \nEg: R1 is the best rating.  R9 (written off) is the worst. \nThe scores will worsen, as you delay your payment. \nR2 means you paid past the due date but less than 30 days \nR3 means you paid past the due date but more than 30 to 60\nR4 60 to 90...and so on.\n\nReduce the number of credit cards you have.\n\nDo not apply for every card out there. (you will be known as a "credit seeker")\n\nNever stop paying a creditor eg: write something off.\n\nIf you are in debt, seek a credit counselling service, they can help you bring it down, but this will affect your rating. \nBankruptcy will affect your rating.\n\nYou should contact equifax, to review a copy of your credit rating, to ensure that there are not errors. (it will be your responsibility and time/money to straighten out any mistakes).\n\nAnything you do...good or bad, will remain on your rating (credit score) for 7 years.  \n\nGood luck.
303673
I bought a car 8 months ago.  I am paying OUTRAGEOUS interest.  I had to put a HUGE down payment on it. BUT my credit score has gone up 150 points in that short time because I am ahead in my payments and have never missed one.  So the moral is.  You have to open a credit line in which you will pay to much interest and then make the payments on time to prove credit worthiness and then you will get better credit.  I got a credit card two months ago and I have not missed a payment on that wither.
511805
Many credit card companies do report monthly. Especially the larger ones as it is fairly cheap to do so. Axe is also incorrect in that they all wait for six months to report. As someone who works with clients on their credit problems on a constant basis, I can tell you I see plenty of customers who have only had a credit card account for two or three months and it is already on their credit report.\n\nAs far as it helping you, it doesn't really help. The information that is important for your score is how long the account has been open, what the balance to credit limit ratio is, and whether you have paid on time or not.\n\nI usually have a client start building their credit with a finance company as well as the secured credit cards. However you must be certain that the company will report positive information and not just negative. Many of the companies say they report to the credit bureaus, but what they don't tell you is that they only do so when you are late. Make sure you ask if they report positive information and have them put it writing.
859268
There is no set "number".\n\nit all depends on the relation to the rest of your credit.\n\nIs it the only account you have? Installment or revolving account? Home loan, car loan? These all weigh more on your score than a Jc Penney card.\n\nIf you have 10 accounts open, and they are all being paid on time- 1 negative account wopnt be as bad as only having 2 accounts open.\n\nHope that makes sense !\nGood Luck.
1047980
it's an urban myth that things are removed from your report after 7 years. Not true. What does happen is that after time, things no longer affect your score. But it will be on there until the day you die and then some. I pulled a persons credit and it turned up they were deceased. But I could tell he had late payments on his credit cards from 10 years ago. Your account will show a zero balance on your report. any late payments will showup on there as well as when they occured. If you paid off your stuff, make sure you receive letters from your creditors stating you owe no balance and everything is paid. keep them. obtain your credit report and make sure it reflects that you have paid your balances off. if not, contact the reporting bureau and send copy of aforementioned letter and tell them to update. call your creditor and have them update it on their end to the bureaus as well.
400564
Everything that you buy on credit or when to open the account you need to provide your social security number to do a credit check (not only credit card but even the utility bills or cell phone)gets reported to the credit bureau. If you have a report against you that means they reported a late (over 30 days) payment. I know that you do not like to hear this but if you have a late payment over 30 days, that gets reported and affects your credit score. If you only have one payment over 30 days it's not that bad though. Your credit score number gets lowered and the lower the number the higher the interest rate when you apply for credit in the future and if you have missed payments with a pattern of late (30 days or worst, 60 days) payments you might not be able to obtain jobs in certain fields or rent an apartment not to mention obtaining credit... Advice is be as conservative as you can from now on. It is not relevant to pay more than the minimum required amount on a credit card or other loan, so do not think that this help in any way. What is important is to send the payments religiously before the due date ( mail it at least 5 days in advance) or pay by phone or Inet and if it happens that you passed the due date, as long as it is before they issue a new statement, and is under 30 days, pay it even though with penalties. Hope this explanation helps you.
33852
Make the request IN WRITING to the credit issuer to report the "paid-off" status to the credit reporting agency.  I believe they then have 45 days to comply.  Then, ask the credit issuer for proof IN WRITING of compliance.  It is then up to the credit reporting agency to update your file...  then you can start in on them...  an even bigger chore!
350470
Well all of you information will be on your credit report for 7 years.  Charged off accounts impact your account negatively, only when they are paid in full will they bring your score back up.  If it is not listed on your credit report DO NOT worry about it, if you are only worried about your credit score.  Looking at your scenario, it looks like your credit is in the high 500's, low 600's.  I would suggest keep making payments on time, do not close out any accounts that are currently paid to date, and if you have any more questions contact me... :)\n\ngood luck.
888638
It shouldn't affect it as long as you are shown as being "current" on the card payments. Credit reports and ratings are more to point out high risk people rather than keep tabs on whether a card is active or not.
1182308
Credit score does not necessarily change, credit scores are calculated different ways.  Some people count the number of times a score is looked at to see if people might be trying to over-extend their credit since the reports only update on the average every three months.  They want to make sure people aren't getting an extra $3 mill in loans in the past week.  So they count the number of times it is looked at against you when they calculate the credit.\n\nRealtor:\nDebbie Frapp\n4747 S. Loop 289 #110 Lubbock, TX 79424\n806-771-7710\nfax806-771-7700\n\nFor mortgage lenders, I always recommend your own bank or credit union first and THEN check out a broker.  Brokers make money by hooking borrowers up with lenders and get a cut out of the points.  If you skip the middleman you can sometimes save oney.  So check your own resources first.  Then if you can't find something as good as you want, give the broker a chance to do it, they DO have more resources than the average Joe and might be able to do better.  Again though do that after you check out your own sources.