Been working on rebuilding my credit in earnest for the past 3 months. I paid down both my CCs to between 10 and 20 percent utilization, 1 baddie fell off and I disputed 1 item that was removed.
I get a quarterly score from my Credit Union; my score was 562 when I got my last score in June. I went on to check my account this morning and I see that the third quarter scores have been posted and my score is now.......
645!!!!!!!
I have no doubt the score is valid because they are a direct mortgage lender and the score I get from them is always the same, if not 5 -10 points LOWER than the score I get from myfico.
So again I say, WOO HOO!!!!!!! 
Congratulations and keep up the good work 
WOO HOO !! Is right!! Paying down your CC's is a great way to improve your CS.
And it will make you feel better and put a big smile on your face