I want to do a mini app-o-rama, but I'm waiting for my balances to be reported as zero. When I pulled Transunion from annualcreditreport.com earlier this month, I noticed that the info is updated on the statement closing date. One of my cards' statement closing date was the 15th, but as of today credit karma still shows a balance of about $1000. Does anybody know how often their info is updated? While I can wait to apply, I don't really want to.