i have seen my score jump when i paid off the previous two cards. its still not good but hopefully with these two it will jump up to the next category.

i had half my student loans (private ones) forgiven or dismissed or whatever. the bank decided not to pursue payment anymore. that hit my score big but i think its a win in the long term. would have had to pay taxes on the amount forgiven if i didnt have so much debt, was able to zero that out. im guessing it will affect me getting a mortgage or maybe a new car loan. not really looking to do either for another couple years at least. if the bank would had waited until next year i would probably be ready to start paying them, now i get to focus that money on my remaining student loans.