Hey guys I just paid off 2 cards and some other misc debt totally about 4,000. I have 3 cards total. My walmart card was at 990/1000. Usaa card #1 was also 990/1000 and Usaa card #2 was at 4950/5000. Current TU score is 625 with cards reporting at the same balance for the last 6 months. Now my cards are 0/1000, 0/1000, and 4700/5000. Ive got 2 paid off auto loans and one now that I owe 3k on. 2 60+ lates, one a couple years old and one from 2 months ago. Anyone care to take a guess any what kind of point increase I might see?