1. Ask your bank to increase your credit limit on your credit cards.
lowering your utilization rate on your credit cards can give your credit score a healthy boost.
2. Credit cards even if you pay them off Don't close them down. but the trick is that If you keep your access to that credit, using those cards regularly but without raising your usual spending, (don't use more than 20% to 25% max of your credit limit).history, length and amount granted plays a huge role in your fico score.