Credit scores are 100% dependent on the information in your credit reports, so even though your balances are zero today, your credit reports also have to reflect the zero balances in order for your scores to benefit.
This leads me to the next issue, which is the changing of your credit scores.
Unless I'm grossly mistaken, I believe my credit scores have improved because I addressed those two items that caused me to have lower scores in the first place. " First off, congratulations on all of your hard work to improve your credit reports.
There's no doubt your hard work has paid off in a variety of ways, including a higher credit score.
That takes my credit card debt from almost ,000 to zero.The answer to the reader’s question is that it will likely not take more than one month for your scores to reflect this reduction in debt, and if your timing was good it could take much less than that.The reason it could take up to one month for your credit scores to reflect the reduction in credit card debt is because it could take up to one month for the credit reports to be updated to show the zero balance on those two credit cards.Once that happens your credit reports will be updated with those changes and very soon after—practically instantly—your credit score gets recalculated, taking into consideration the updates on your credit report.[Consumer Resource: Where Can I Get My Credit Scores for Free?