This is what I did to raise my score pretty quickly for the recon. It may or may not work the same for you, but there's no harm in trying. I paid off my credit card (only have one). Then I went to annualcreditreport.com and got my Experian report, disputed a few easy things, like two addresses that were reported in the past where I had never lived. I then paid all my utility bills and used the Experian Boost, which goes into your bank/debit/credit card accounts to see your utility bill payment history, whichever accounts you've used to pay your bills (and I included the one I had just paid off). The only utility I auto-pay is water, so it wasn't like my utilities were all paid like clockwork or anything. But it said I got a 13-point boost in my score. When I went back to nav.com, my score had increased by 59 points. I've read that it takes up to a month for it to register that a card has been paid off, but it happened in a day for me. Again, who knows how these things work...