Best way to pick credit score up

Short term loans from your bank. Deposit the money in your account and pay on time. It will only cost you a couple of bucks.

I never financed anything, just paid everything on time and used my credit card that I repaid monthly. When I went to buy my house four years ago, I was a little worried because everyone said the same thing then "leave a CC balance or take out a small loan to improve rating". Turns out my rating was around 760 and I was approved for way more money than I wanted.

I had a CC once with no interest for a year that I left a balance on for the year, then paid it off. I have since seen my credit report from two different sources and those financed months show up exactly the same as the months with no balance carrying over.

The point of all this being, I belive "keep a balance" does nothing or at best does very little.

being up to credit card limit will hurt your score.