Paying off you credit card may also lower your score as well. What scores well is if you consistantly carry a small balance (in relation to your credit line) and make regular, on-time payments to that creditor. The best strategy is to have approx 4 credit cards that you charge your day-to-day expenses on and pay them off in full each month. It doesn't matter if it's only $10 on a card. You establish a payment history on each on of the cards. It doesn't matter that you are paying them in full. The scoring model just sees that you are consistantly making payments. Having a high balance in relation to your credit limit will lower your score.