motoracer wrote:I read on another post that the CO that is PIF will get more points than the CO that is settled for less than the amount, and of course the PFD will get the most....I paid if full 2- CO AMEX and Cap 1 off, the 25th of May, but they havent updated to show the 0 balance. Im going to wait till the july updates and see if they show up, till I dispute. the accounts are still showing over CL balances which is killing my utilization, even though they are closed CC. Im really hoping that once all this updates Ill get a Jump in my score!!!