How long will it take for my credit report to show a recent update?

Most credit bureaus process updates within 30 days, though it can take up to 90 days to appear depending on the bureau and their processing time.

For instance, after your final payment clears, we report your loan as “Paid /closed - $0 balance” to the credit bureaus at the beginning of the following calendar month. It can take 30-90 days for the bureaus to reflect new data after we send updates. 

If your report looks outdated after more than 30 days, you can dispute an error directly with the bureau or by contacting Happy Money for help.

• Contact the Bureau: File a dispute with the credit bureau that issued your report. See below for contact information.
• Contact Happy Money: Complete this form, being sure to include a screenshot showing your name and the report date, along with proof of payment or your payoff letter. We'll investigate and respond within 30 days.