Saw my credit score went up 35 points, putting me at 718...fuck yes. It was in the gutter a few months back (not in the gutter per sae) and now I'm back up. Two of my creditors report it both at 718 but Equifax has it much higher, about 20-30 points higher IIRC. A few years ago I had more debt from college and such and I have paid that off. I got a car payment that is a loan and also my CC so things are going well.