Feels great to see that my last unpaid account will report from $4,800 to $0 in the next couple weeks. This was a personal loan with OneMain Financial that I let go into collection almost 3 years ago. They have been reporting the CO balance each month and I know that has been killing my scores. Im in the low to mid 600s and can't wait to see what will happen with this being paid.
All I know is when I tried to graduate my US Bank secured card, they denied me due to this balance still being unpaid. Ready to get that graduated and start working towards a top tier card.
I hope that once it's updated, you'll be able to graduate!! That will be exciting. 
Is it an automatic upgrade, same card/number, or do you need to apply for a new card?
The US Bank secured card is NOT an automatic upgrade. You have to call and request to graduate. It is a HP but the account stays the same. Not sure if they change the account number or not but I do know it is the same account which helps with AAoA.
Knowing that all I have left to pay is my student and car notes which are current, makes me feel so good! No more debt!
@denver133 wrote:The US Bank secured card is NOT an automatic upgrade. You have to call and request to graduate. It is a HP but the account stays the same. Not sure if they change the account number or not but I do know it is the same account which helps with AAoA.
Knowing that all I have left to pay is my student and car notes which are current, makes me feel so good! No more debt!
I can't wait until that point... hahaha
Congrats.
Congratulations! Sounds like you are making great progress towards your goals.