Something suspicious. When i paid off credit cards it takes months to update. I paid off my car loan and It's been almost a month now and my car loan is still in there. It's doesn't update the good but when it's something bad, it updates right away & brings your score down. It told me if i want to up my score by increasing my credit % thingy, i should apply for a credit card, which i did & got approved, but nothing happened except a decrease in my score, guess because the card wasn't through KC.