You should see an increase with the negative off but do you mind if I ask if your Jewler card is a Bank Card?! It looks like you are trying to do the AZEO method, but it works best when the balance is 8.9% or less on a Bank Card. 
I would also second the CU secured loan (small amount you can just pay off in 6 months) to show installment type loan.
@Anonymous wrote:So My Scores Are Currently 706 TU,701 EX & 702 EQ & I Would Like To Get Up To Somewhere Around 750-760 I Have A Couple Cards Now As I Will Post Below:
CreditOneBank Limit $400 Balance $0
Cap One Secured Limit $600 Balance $0
Cap One Quicksilver Limit $600 Balance $0
MyJewelersClub Limit $5,000 Balance $20
I Do Have 1 Negative Account On My Report That I'm Disputing Now In Hopes Of It Falling Off. Total Negative Account Balance ($3805) Which Was A Loan For A Car In 2015.
I Don't Have Any Positive Installment Loans On My Credit So Someone Suggested Me Get One But I Really Dont Know If I Could Trust Them As There Credit Score Is Not Too Good.
Sooooooo, I Would Like To Know Since I Have Extra Cash To Play With,What Would Be Best For Me To Do That Can Either Payoff Now Or In The Long Run ? I'm Really New To This & Im Just Trying To Learn & I Hope That I Made This Post Correctly With Enough Detail 😫
Thanks Everyone & Have A Good Evening!
Is the negative car loan a legitimate debt that you did not pay? You should only dispute items that are factually incorrect for your credit report.
Are you eligible for membership into NFCU?
If you have no open installment loan, Navy offers a 5 year SSL.
@Anonymous wrote:So My Scores Are Currently 706 TU,701 EX & 702 EQ & I Would Like To Get Up To Somewhere Around 750-760 I Have A Couple Cards Now As I Will Post Below:
CreditOneBank Limit $400 Balance $0
Cap One Secured Limit $600 Balance $0
Cap One Quicksilver Limit $600 Balance $0
MyJewelersClub Limit $5,000 Balance $20
I Do Have 1 Negative Account On My Report That I'm Disputing Now In Hopes Of It Falling Off. Total Negative Account Balance ($3805) Which Was A Loan For A Car In 2015.
I Don't Have Any Positive Installment Loans On My Credit So Someone Suggested Me Get One But I Really Dont Know If I Could Trust Them As There Credit Score Is Not Too Good.
Sooooooo, I Would Like To Know Since I Have Extra Cash To Play With,What Would Be Best For Me To Do That Can Either Payoff Now Or In The Long Run ? I'm Really New To This & Im Just Trying To Learn & I Hope That I Made This Post Correctly With Enough Detail 😫
Thanks Everyone & Have A Good Evening!
I believe you'll pick up some points if each month you let one of your Cap One cards report a small balance before you pay it off, while having the other 3 cards report a zero balance.
I don't know what you mean about using your extra cash. It sounds like you only owe $20.
