I&#x27;m not an expert, but I do know paying off your total credit card debt every month does nothing to help your credit score and, in fact, may even kinda hurt it.<p>You would be far better off to get 2-3 cards, ring up some debt on each of them, and then make the monthly minimum payment, on-time, for 6-12 months.<p>For sure you would see a pretty big jump in your score doing that.