Credit Card Balances and Credit Reports (pay, mortgage, shopping, shop)

[jade408]

Does anyone know how long it takes for a recent payment to show up on a credit report?

I have been using credit karma, and I wanted to check in on my score. I paid down about 30% of my cc debt this month. How long do you think it will take to reflect on my score? Do I need to wait a full billing cycle?

[KayAnn246]

It usually takes between 30-45 days depending on the creditor.

[jade408]

Thanks! Guess I'll be waiting for a few more weeks.

And I'll know for when I go mortgage shopping: need to pay off my balances sooner.