I am a first time home-buyer hoping to begin applying for loan pre-approvals. Recently, I consolidated my remaining credit card debt from high interest credit cards with a low-interest personal loan. By next week, all of my revolving credit accounts will have a zero balance. By November, my parents are going to lend me the money to pay off the personal loan (I will then pay them back). I was wondering, about how long can I expect to wait for these companies to report the zero balance to credit bureaus and from there, how long can I expect to wait to see a change in my score? SN: My credit score is currently 660 and I have no idea how much I can expect it change based on these updates.