Paying $100 every month is ok, but the objective is to have the utilization down below 10% when they report to the cb every month. That installment was a good thing also, but it doesn't help score wise until 6-12 months of consecutive payments. I have learned that revolving accounts that are kept with a low balance help credit scores the most. For "now" try "Unsecured Orchard", "Crown Jewlers", "Hooters Mastercard", Just my two cents though. Good luck!