If I take an action, like paying off all my credit card debt, how long will it take to impact my credit score?

Share this Advice

Most financial institutions report to the credit bureaus on a 30 day cycle. That means it should take anywhere from 1-30 days before your actions will be reflected in your credit scores. If you don't see it in 30 days, you should review your credit reports (annualcreditreport.com) for accuracy.

Back to All Credit Q&A

Comments

(2 Total Comments)

Yes,I would also take it a step further & if I do not see a positive impact on my credit report after 30-45 days, I would write each of the credit bureaus and then call or write the creditor or bank in which I have the credit card with to ask them to report it to the bureaus as paid off, for a positive rating."

warking09 at 12:13 pm May 20