How long does it take for your credit score to update

I recently paid off almost 75% of my outstanding credit card balances but see no updates in my credit score. I've requested balance reports from all my credit card companies as I'm going to refinance my mortgage son and for that I need the best possible credit score. When I use my credit cards, I see immediate updates in my credit report. But when I pay them off, why I don't see any update? What should I do now?
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