Q: I've been slowly paying off a large credit card balance. When will that be reflected in my credit score?
A: Typically, credit card issuers report monthly, so there may be a delay before your credit score catches up. Once the credit reporting bureaus
update your credit file, they will take into account your zero balance when calculating your score. A decreased balance improves utilization, the proportion of available credit you're using, which the credit reporting bureaus use to calculate your score.
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