Yes! And it will rebound even more if you go several months without a balance! So don’t think that just because you paid off those cards, you can start carrying a balance again. They’re watching for that! If you do use the cards, pay them on time and IN FULL. That’s the most helpful thing you can do at this point to boost your credit.
Go to CreditKarma.com to check your score — every two weeks or so.