Tip #2 Don't Pay Your Credit Card Balance in Full

If you have credit cards with an outstanding balance, don't pay them off right away. For example, you have a $5000 credit card and every month you charge about $2000 to it - but you pay off that $2000 balance before the end of the month. Although this won't hurt your credit score, it won't do anything to help it either. It's best to carry some portion of that balance over to the next month, even if it's only $100.

Remember, it's regular payments over time that improves your credit score.