How does one get their credit score updated quickly after paying off credit cards?

Hi experts! I'm in the process of paying off my credit card debt in hopes of raising my FICO score before refinancing my student loans. I really want to get the loans refinanced ASAP as my monthly payments are currently absurd. My problem is that even though I can afford to pay my credit card debt off now, I know the FICO score won't update for 2-4 weeks. I've read on some other posts in this forum that one can make some calls to rush the credit report updating process, however I wasn't quite understanding who I should call and exactly what I should say. Do I call my credit card issuer or is there a bureau I should be contacting? Does anyone know of any other options besides calling that may be better? I really really appreciate your time and help...it will end up saving me lots of money! All advice is welcome and highly appreciated. Thanks, Curt

Public Comments

1. You can only get them to remove inaccurate information, and then you must wait. A letter from you will only be attached to your record. You may be correct, but the best you can do it to pay off now, and then when you know when your FICA is updated, then get the record of it and apply. This is like pushing on a string. You won't get anywhere. The credit bureaus are not equipped to respond to each and every phone call, except in the case of fraud or stolen credit or stolen ATM cards.
2. Unfortunately it will take time to reflect in your bureau since there are three main bureaus asides from your FICO score. TransUnion, Experian, and Equifax. You can attempt to contact them or get a free credit report to ensure it reflects all your payments. But the scores for all these bureaus are based on a very intricate algorithm that no one truly understands. It will take time for it to reflect your good behavior. Other things that help your credit score are to reduce your debt to income ratio, ensure you're at a lower utilization level than your historical maximum, don't open or close any accounts since age of trade line counts. You can always try 0% balance transfer to take some load off your student loans if the refi rates aren't optimal. God luck.