I purchased SW about 2 months ago. What I have found to be useful in making sure my score is updated in a timely manner is to "dispute" the report. I too have paid down extensive amounts on the balance. I know they have up to 30 days to respond to a dispute, so I dispute the balance and that has seemed to help in getting my scores up. I too am pending my score to hit a target for a lower interest rate which is why I "hound" the agencies. I am about to make another large pay down on the balance to bring me to nearly 0 and right after I make the payment I will be submitting dispute with all the agencies.
Good luck!
