At first my score shot up. Then I noticed once I got closer to paying it off my reports were incorrect and my points began to drop. I did not miss any payments but they kept reporting I had a balance on my credit card account that I never really used. It says I used 60% when my balance was $7 with a credit limit of $350. How? I'm very upset because I thought I was doing a good thing to boost my credit. Total scam.