Credit reports

[TFOGGER]

Most creditors report positives quarterly, semiannually, or even annually. Negatives are reported as soon as the law allows (Dodd-Frank made it so credit card companies can't report you unless you're late 2 payments in a row or 3 in 6 month). Late mortgage or installment loan payments may show up as soon as 30 days, high revolving credit balances vary by creditor. Court judgments and collections show up almost immediately.

[KevDen2005]

Most creditors report positives quarterly, semiannually, or even annually. Negatives are reported as soon as the law allows (Dodd-Frank made it so credit card companies can't report you unless you're late 2 payments in a row or 3 in 6 month). Late mortgage or installment loan payments may show up as soon as 30 days, high revolving credit balances vary by creditor. Court judgments and collections show up almost immediately.

Well that sucks. I'll just keep doing what I'm doing and one day it will look good