CKB750 wrote:I'm not looking to apply for anything major anytime soon! I have Cash,I'm just trying to boost up my score by paying off the all the cards and the judgement..And yes I have been a member but I wasn't on this forum for a long time I'm catching up on things #LIFE
Keep in mind there are a number of factors that determine your credit score.
1) Credit Card Utilization % (General rule is stay less than 50%)
2) Derogatory Marks
3) Payment History (pay your bills on time)
4) Age of Credit History (The higher the age usually the better, this you have no control over*)
5) Credit Inquiries
The biggest thing you need to do is reduce your credit card utilization rate as others here have suggested. Second thing make sure to pay your bills on time. Overtime, you will see your credit score rise up. Note the first three factors have the highest impact on your credit score.
*Unless you cancel a credit card bringing down or up your average credit history depending on the age of card.