I had a AU that was actually hurting me ($7440) removed from my reports. My score only went up by 2 whole points!!!!! I just knew I would see a drastic increase. My total debt is about $25K, this includes student & car loans and cc. So paying off lump sums here and there will not actually increase drastically and quickly, huh? Someone please help? I looked at Equifax, should I check the others.