I paid monthly to see my credit reports from Equifax and TransUnion online. I've stopped doing that, (just notify them) because my hard copy and online reports were completely different. I talked to reps from their offices and was told what I see online is different from what they pull up. Weird, makes one wonder which reports our creditors see. I am in the process of trying to get this all sorted out.

Depending on what other credit products he has right now, paying down the balance should have had an impact on his utilization. I was under the impression that the utilization portion of your credit score was based on "overall" utilization, which would mean if you there are still new (and relatively unpaid loans - personal, auto or otherwise) and your overall utilization remained above 50-80% then there really wouldn't be any movement of the Fico (or transrisk whatever) score.

well I've managed to answer my own questions!! Anyway the scores and profile can be updated every 24hours...
Now the confusion is that I thought your score goes up as your usage of available credit goes down...we paid my husbands $1500 limit capital one card down to only owing $400 from owing $1400 last month and it was updated today and his score didn't move even one bit...I thought it would go up at least 5 - 10 points..

does anyone know anything about transunion credit monitoring service?? I know it's 14.95 a month...do you get updated scores daily? or monthly? can you cancel at any time or do you need to subscribe for a certain amount of time??