6% isn't too bad considering back in the bad days of credit I was in the high teens for awhile. Back then every 6-12 months I would reif the auto loan and drop it 2-5% each time. It doesn't take much work other than making payments monthly to keep things on track.
You're making headway though on your CO's and that's what makes things easier as time passes and balances drop on those old issues. You've made the mental shift from the old days to the new and staying on track forms better habits the longer you do it. As to the AZEO though it's more important to do it before attempting larger purchase like the car or a house. Otherwise it's just taxing and draining trying to play the point game for a couple of points when they're not needed.
Seeing the progress from Secured to Unsecured with Cap1 is a sign you're moving in the right direction. Everyone has to start somewhere and lining up your 2 secured cards has done what's needed.
Credit is mostly a waiting game when you're building things up again or just starting out even. The biggest help is auto pay so you don't miss something when you're waiting out the next 6-12 months before trying to get something new or a CLI. When these time comes up then it is beneficial to AZEO to maxmize your chances for approval to the next level. In the meantime just paying in full each month w/o helicoptering works just as well to gain traction and get higher scores.
