Thank you for the input.
I can't do much about spending on the capital one card since it should already be reported. I can get a transaction in today on the Orchard Bank card (maybe a hefty $10 lunch or something- that would put that card at 3.3% utilization (but still only 0.16% utilization overall between the 2 cards). Orchard Bank told me they report on the 10th, so we'll see if the transaction is reported this month or not.
Good thing I'm hungry.
And I'll do a "soft pull" next week, likely of just the EQ score.
I would put a little more more on the Orchard Card, say a total of $90 so it shows as 1% utilization of your total available credit but is not over 30% of that single card.
Well, after all this, my scores bounced back (and then some)!
Equifax: 637 (sep 2012) to 623 (dec 2012) to 657 (jan 2013)
Experian: 644 (sep 2012 to 621 (dec 2012) to 670 (jan 2013)
Hopefully, now its just crossing T's and dotting i's..
Thank you everyone for your help!