Normally reporting of payoffs to the 3 major credit reporting houses takes 30 - 90 days depending on the lending institution or credit card firm.
How Long Does It Take To Show Up On Your Credit Report?
On average, about 30 days.
Normal information, such as a paid or unpaid notation, usually hits a credit report within 30 days of the close of the billing cycle for that account. According to Experience, creditors usually report credit information to the bureau once a month. If a payment is recorded close to the time the creditor reports, then that payment shows up quickly. If a payment is recorded directly after the creditor reports, that payment shows up nearly a month later.
