I'm starting the challenge officially today, however, I have taken some steps towards my 2023 goals.
1) I paid my Capital One Spark card down to $0 this past week. Unfortunately, because I paid towards the end of the payment cycle, I was charged interest anyway. I made the interest payment this morning. I should see the minimal balance report from the interest this month. Waiting to see the effect from bringing my utilization down to less than 1% on that card.
2) I also sent a godwill request for the removal of late payments given the circumstances that caused them - waiting to hear back.