I also have heard its good to leave a little balance on your credit card.. From what I understand its open credit that you owe (with at least paying your minimum payment due) revolving on your credit that helps your score.. might be wrong but the way that I understand it is you need to technically owe something but not be past due.. So say you have a credit card that has a $200 limit.. you can rack that up.. and when you get your bill and minimum payment due is $15 on a $200 balance, I would pay $190 and leave that $10 on there to revolve to the next cycle. And open balance is what I think helps your credit, if your balances are always $0 then there is nothing to revolve to the next cycle.. I mean I could be wrong, but I think there is a lot of theories when it comes to keeping good credit, lol

Also another thing that people dont think about is the amount of credit you have.. you can have great credit, all of your balances at $0.. but if you have 1 credit card with a limit of $15,000 and the other with a limit of $10,000 and another with a high limit.. you might want to contact some of the creditors and have them lower your available limit.. Cause even though you are not using it, having tooo much credit can also be bad to a point. If you only make $30,000 a year and have a available credit of $60,000 but are only using prob $500 of it.. you can still get denied future credit because your debt to income ratio is too high.. So I also recommend having that one credit card with a high limit for emergancies only.. but calling your other credit cards and lowering your available limit to something more reasonable like $1,000.. and if thats too hard for you to do then you might want to re access why you have credit cards, lol.. Since I screwed up my credit once, I have learned if you cant pay cash for it then you dont need it. Credit is an evil thing but a necessity in life to be able to buy a house, car, get a loan for something.. so just be smart with it.. you dont want too much but you need to not abuse what you have, which is very easy to do, lol