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OK, so I've been trying to clean up and rebuild my credit and while I'm working on DV and disputes, I get a secured credit card for $500. Thinking that I will have time to pay it off before it reports, I used $275 of it already (have had it less than a month). I got a notification from experian yesterday that stated my score dropped 23 points and the only change was this credit card was added (all info on both experian and equifax reported identical). The experian score monitoring is through the experian website, the equifax is the score watch through myfico. Today I get a notification from Score watch that my equifax jumped UP 55 (from 466 to 521) and the only change is this card which was reported EXACTLY the same way it was to Experian. So now that I know what day they report to the Bureaus (no info yet on TU), If I pay it down to about 8% do you think it will go up even more? The FICO simulator had shown that my score would go up to about 506 if I got a new credit card with a limit of $500, but (I know, it's just a simulator) it went to 521.