You have lowered the balance on your credit cards but it is not shown on your credit report How do you correct that?

Just have to wait. The credit card company usually updates the credit reporting agencies once a month. Call your credit card and ask them if they can tell you what day that is. Then it can take up to a month to show up on the credit report. Knowing what day they report is good, because if you want to buy a new computer but tomorrow is the day they report to the agencies, hold off on the computer 2 days, and you'll at least look good for that month's credit report. If you paid it and it's not showing up even after a month, I'd first call your credit card company (they're easier to get ahold of). If they can't help, you can try to correct it by contacting the 3 agencies: www.experian.com , www.transunion.com ,and www.equifax.com . But usually their dispute process takes a month or two, so you're probably better off just waiting it out.