Started really taking my credit seriously in February 2026 with starting scores as follows:
Equifax: 537. Experian: 582. Transunion: 570. All gathered from myfico.com
As of now May 2026 my scores are:
Equifax: 598. Experian: 612. Transunion: 620.
I pulled my credit report early february and saw that i had collections from IC system, Jefferson Cap, LVNV, and Synerprise for a medical bill i had no knowledge of.
I paid of lvnv on February (pay for delete)
Then paid jefferson and ic system (pay for delete) mid april, all of these were settled for less than 50%
I just paid off synerprise end of april and they said they report around May 9-14 timeline. Also pay for delete.
I have been tracking all my credit cards and payments since February and only spending using my better credit cards ( discover and cap1) and leaving everything ( credit one, imagine, premier, etc) all at 0 but have autopay on just in case theres maintenance or whatever fee they charge.
Since March though ive been paying whole statement balance then charging around $5-$10 after and leaving it in the card then paying it off after.
I got approved for a savor card in April for $500 limit and ive been using my savor or discover ( used to be secured but graduated few months ago with no cli).
When will i see some changes like CLI offer on my discover or graduating two of may cap1 cards? I have platinum and quicksilver both secured $200 limit.
TIA.