<prompt> Human: Three weeks ago I paid off my credit card balances. It was a significant change. My current goal is to reduce my monthly car insurance payment. Im using the Credit Karma app, but havent yet seen a change in my credit score. How long might it take to see the change Im looking for? I know I can utilize freecreditreport.com, but only once per year. I dont want to pull that trigger prematurely.  <response>: Give it another week or 2. Itll show up eventually. Dont expect anything huge unless you paid off a huge sum when you previously only paid minimums. The big increases happen over time with correct usage. 