I'm in the same boat,i will pull my score every month on the 10th.I don't think scorewatch moves instantly as your score change,i have pay off 3 credit cards this past month althou i have several baddies,i also pay judgment i have from 5 years ago,i'm waiting for them to update with the CRAs.They have the original account open on my report,i'm hoping that by paying that off and the other credit cards i get a decent bump.We will see,i will report back.