injustifiiable: thanks for your experience! Sounds pretty much like my situation. I don't have any baddies at all..no lates, no collections/etc. The only thing is probably the utilization which currently shows on TU at aroun 61% but in reality (just paid a TON off in the last weeks) it is, as of today, around 44%. It will be, at the end of December, 41%. And at the end of January, 38%. These are estimates, but should be very close. I'm really hoping the reduction in Util, once it hits, will raise my score enough to get the credit increase to at least 10k. But not sure if it would go from 646 to closer to 700...sounds like 54 points is a bit much for just paying off 15% or so of debt?
