It's taken a longtime, it's been since 2006 that I paid off my credit card debt. My bills are my mortgage and my student loans. I checked my Transunion fico today and it was 712!!!!!! Last month it was 671. It had been steadily moving up, then some bogus late payment came up, which wasn't true, I cleared that up and hell it only went to 671. This is the 1st time in my life or at least as long as I've been checking my fico score, that I've ever been to the 700 threshold. It's moved along at a snails pace for soooooo long.