[Peca277]

Also factored in is how long you've had the accounts open. A lot of accounts open for less than 3 years isn't considered a good thing... but obviously in the long run it would be the way to go. Also, I hear that if you pay off the entire balance every month it doesn't help as much as if you carry over some of it. I always pay mine off, but a few people in this forum mentioned several months ago that you should leave a small balance.

If you really want to improve your credit score you can't just have a quick fix and keep yourself on track for a few months or a year, you need to be on top of this stuff the rest of your life. Good luck my friend.