Whew! I pulled my TU report today (I'm trying to do it ONLY once every 10 days, lol) and they DID update and my score went up 14.
It seems like SOMETHING is working -- the true test will be when I see my 1 month lease report as paid on all three. So far none of the reports reflect as such. (Having two open leases is making my installment debt look crazy!) I'm also curious as to how it will look when my newest TL reports.
Feb 1 can't come fast enough!