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:: Why does an account that has been paid still show with a balance on a credit report?

Most credit grantors report to repositories on a monthly or bi-monthly basis. Time requirements of creditors to report their data to the three major repositories widely varies. Time requirements that credit repositories have to add to a consumers credit report with new credit data also varies. The human factor between creditor and credit repositories may sometimes take weeks or several months to update their data. (Example: on an average a credit report reports balances approximately 30-60 days behind.)

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