out of a $2500 credit limit, i only spend 65-75 each month and pay off the whole balance and my score keeps jumping up. i also have a car payment i'm always good on. on my credit report for both i have an 'exceptional payment history'...try that for one month. i also send my cc a couple dollars more...so if your balance is $50, give them $52. so far, that's been working for me and i just cracked past the 700 score from having a 0 score in dec.
