Just checked creditwatch - last one before my unlimited pulls membership expires - and I gained 7 points (766 to 773) for going to 6 accounts with balances from 8. This represents 4 CC's to 2 CC's with a balance. That's a big jump to me considering the balances on the 2 cards were less than $400. I wonder if I will see a jump when I pay off a $500 balance on my Discover and have only one CC with a balance. However, now I have to decide which service I will sign up for EQ Score Power or Privacy Guard? It's hard to believe that a year of unlimited pulls is over. But, it was fun - no inquiries due to B - while it lasted. Willis