I paid off my credit card, how long before it reflects on my credit score?

Credit card payments are usually reported by lenders around the end of each billing cycle. So, it should reflect in your credit report once a month around the end of your credit card billing cycle. If you pay off the credit card debt, but keep the account open, your FICO® credit score should improve. This is because the credit utilization rate (the ratio of the amount of credit used versus the credit limit) accounts for 30% of your credit score.

But, if you close the credit card and it was one of your older accounts, you will see a score dip. The older the account, the greater the dip. So, even if you pay off the credit card debt, it is wise to leave the card active to improve your credit utilization and length of credit history (which accounts for 15% of your FICO score).