For a long time i hadnt seen any changes in my credit score despite me utilising correctly but seeing this was why the patience was worth it because it was all compounding in the background even when i couldnt see it directly. When you strive for a better life there are forces at work that you cant see so its important to keep going and finish what you started baring the vision you had in mind. I have never been closer to the life i want for myself all because i havent stopped perservering. Good luck with your journey.