Reporting date from Credit Lines & When 3 credit bureaus update?

We are waiting to get pre approved for a home loan. I started working on my credit 6 months ago and I estimate that after last month's payments (paid off 100% of my credit cards and making on time payments for the last 6 months), I will finally reach the threshold I need to get pre-approved. DTI is excellent and my husband's scores are great. We are just waiting for mine to gain the points needed. Anyway, I have tracked my credit lines reporting for the last 6 months and all report as follows: Auto - 30th of every monthStudent loans - 2nd of the following monthCredit card - 3rd of following monthCredit card - 10th of following month I made all my July payments and it is now August 7th. By now, Auto, Student, Credit Card 1 will have reported. When will the credit bureaus show the report? I was waiting until myfico and credit Karma sent me alerts, but I noticed there is a lag for when alert me. If I don't have to wait for their alerts, I could have the mortgage company pull my credit on the 11th to issue the pre-approval. But if there is a lag between when the credit lines report and the 3 credit bureaus actually show the update (even if they are back dating them), then I don't want to have him pull the reports too soon. So, my question is, when the credit lines report, is that reflected on my report instantaneously and just credit Karma and myfico is lagging? Or is there a true lag from when the credit lines report and the 3 credit burearus update?

Updates are not instantaneous. With most lenders, they transmit the data on the statement cut date, but the CRA's do not instantly report. Typiclly within 3 to 5 days of the statement reporting, you will see updates. TU can be slower to update -- sometimes 7 to 10 days. You need to make sure that at least one of your credit cards is reporting a small balance. $5 is fine. FICO will penalize you for having all zereo balances on credit cards. Sometimes this can be as much as 15 points off your scores for having all zero balance credit cards.

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