I closed out the two Cap.1s last summer. Today, all but the two Orchards and Priovidian are prime with total credit lines of 73K and an average go to APR of 13.7. I never expected such a dramatic change. I also owe less on my cards now then I did a year ago and the average APR on balances that are carried month to month is below 10%. I also got a new car loan for 8.9. This is after rebuilding credit.