xcanchaserchicx wrote:My question is the card that is paid off (it's been paid off and unused for 5 months now), if I used it and pay it off every month does this increase my credit score over time or does it not matter?
It's not quite so simple and straightforward. You don't get an increase in your score every time you use and pay off a card.
However, Payment History is built by using and paying your cards (and paying your other credit accounts). Payment History is the biggest factor:http://www.myfico.com/crediteducation/w ... score.aspx
...but not the only factor.
Amount Owed is the second biggest factor and something with significant impact that falls under Amounts Owed is your revolving utilization. Revolving utilization is simply balance(s) / limit(s) as indicated on your reports. Generally, lower revolving utilization is better as long as you don't have all your revolvers reporting 0 balances. General advice is do not exceed 30% but that's just a suggested maximum while optimal will be under 10%. The number of reporting balances also has an impact.