So...
I had pulled my TU credit report (with my others) back on May 21. My score was a 516. Out of curiosity, I purches the TU score again today and it is at 546!!! I wondered what in the heck raised my score so much so I did a comparison side by side and you will never believe this, but the only thing that changed is that instead of having 10 years of credit history, now I have 11! I can't believe that made such a difference in my score.