Hi, I noticed another 7 point increase in my score. Here are the most evident changes to my report. First, my credit limits have been raised on two of my cards. Second, I have started to pay down my overall debt. So, I have actually been following what the Credit Score Simulator in Experian suggest by paying down balances. Well, I am on my way. I am trying my best for the 650 by January. Thanks again to members of this board for sharing their stories, it has helped me so much. thanks. NJ_Newbie
