Looks like paying more than the minimum on my credit cards is definitely paying itself off. My credit score shot up this month.
January 08 Credit Score
December 07 Credit Scores
I also closed one of my credit cards in December. That posted to all three of my credit reports and it doesn't look like it had the negative effect to my credit scores as I once thought. My goal is to reach a credit score of 700 by June of this year. Though it seems that I can easily achieve that goal with the first two credit reporting agencies, Equifax is up in the air. Unfortunately, I have one collection from 2002 still showing with them while the same collection account has fallen off of my Transunion and Experian reports. The collection is due to come off my Equifax credit report next year and I can't wait.