well that small claims hurt you because it is too recent.  I hate to tell you this but too much recent credit, inquiries, or even your case public records hurt your length of credit history.  That might be your problem.  What might help is the credit cards you have, 7 of them, so the question is maybe you need to let go of two of the card.  Preferably the two most recent credit cards you have.  the cards you have had longer help your length of credit.  What helps my credit score is that I don't apply for credit often, along with my long length of credit history.  Time is just as important on a credit report.  Ultimately its your judgement call. I would just suggest wait another 2-3 months to see how your credit changes due to time. Maybe someone with more experience on these boards could chime in.

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Starting Score: 565
Current Experian Score: 634 (Lender pull)
Current Equifax Score: previous 660, 661 as of 04/01/13
Current Transunion Score: previous 656, 675 as of 02/01/13
Goal Score: 750
Take the FICO Fitness Challenge

Contact the atty. for the judgement and ask nicely for  them to vacate judgemnet. If its paid it shouldnt be a big deal then when it gets vacated send to all 3 bureaus and viola house

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Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760
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Chase freedom 500 Never take NO for an answer!!

My bad not the attorney but the person with whom you had the case. Also u say that u use only two cards are they reporting a balance or 0 the reporting matters not the fact that you pay in full pay.   all but one card to <9% with only one card reporting a balance

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Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760
Lowes2,400 Discover More 3,000 Jcpenny 2,000
Chase freedom 500 Never take NO for an answer!!

Also what are the particulars of judgement did a judgement get entered and then u paid?Or did u go to court and then found for the plaintiff and issued a judgemnet for ;'$

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Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760
Lowes2,400 Discover More 3,000 Jcpenny 2,000
Chase freedom 500 Never take NO for an answer!!

+1  See if you can have the judgement vacated.  That would let your scores rise high enough.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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Thank you for your valuable inputs. It was a small claim. Both plaintiff and I went to court and  judgment in favor of the  plaintiff, then we paid.

Do you think the court will vacate the judgment if the plaintiff file a motion?

Absolutly if the plaintiff will go along if so I dont see any reason for the vacate of judgement not to happen go for it! what about the cc cards r u paying b4 the statement cuts

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Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760
Lowes2,400 Discover More 3,000 Jcpenny 2,000
Chase freedom 500 Never take NO for an answer!!

Personally me I would go ahead and take the advice and try to vacate the judgment.  You never know unless you try.

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Starting Score: 565
Current Experian Score: 634 (Lender pull)
Current Equifax Score: previous 660, 661 as of 04/01/13
Current Transunion Score: previous 656, 675 as of 02/01/13
Goal Score: 750
Take the FICO Fitness Challenge

I am using 2-3 of my 7 credit cards, paid in full before or on due date. Will it rise my score if I pay in advance?

Thank you all for your advice. I'll try and let you know what happens.