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How long does it take for changes in my debt to credit ratio to reflect in my credit report?

Written on October 8, 2011 by Matthew Savage in Credit

J. J asked:

I cant remember. Is the debt to credit ratio the average of the last 6 months or something like that?

Thanks!

One Response to How long does it take for changes in my debt to credit ratio to reflect in my credit report?

Ted
October 10, 2011 | 2:43 pm

Your debt/credit ratio is calculated when a creditor requests your report and score. It is based on the information on the report at the time. If you pay down an account, it won’t be reported to the credit bureau until the end of the statement cycle.