Final answer:
Karen's credit score should be updated within a few weeks after she pays off her debts due to creditors reporting to credit bureaus on a monthly cycle.
Step-by-step explanation:
Karen should expect to see an update to her credit score typically within a few weeks after paying off her credit cards and auto loan. Credit reporting agencies typically update records on a monthly basis, but each creditor may have different times when they report the new balances to the credit bureaus. Since Karen made a significant payment to clear her debts, her creditors will process the payments and report the new zero balances, which will then be reflected in her credit score following the next reporting cycle.