<prompt> Human: As of yesterday, I paid off all 4 of my credit cards in full. I have a measly 633 TransUnion and 647 Equifax credit score, but the scores havent updated since I paid off all 4 of the cards. I took 4000 and paid off my cards that have 3800 available credit among them. Now that I have a fresh start and zero balances on all cards, I want to crowdsource some opinions on the best way to proceed from here. Obviously, I want to boost my credit score as I know it is poor. Is there a specific amount balance wise that I should get my credit cards to each month to immediately pay off that would be ideal for credit boosting?  <response>: First off, huge congratulations. Most of Americadeveloped countries never manage to achieve this.The best way to boost your credit score is to consistently pay off your credit cards statement balances in full to maintain a low debt to credit ratio. If you havent already, definitely get a copy of your credit reports and see if there are any errors or outdated or incorrect debt issues that you can dispute.Im assuming you managed to pay off your debt through proper budgeting and not a windfall, so I wont be specific on budgeting strategies. You should continue to save and live belowwithin your means, and look to build up some investment assets through a mix of ETFs. If this sounds foreign to you, consider using an easy robo-advisor app on your phone e.g., Wealthfront, Betterment. Get a high savings or money market accounts of 1.537; for liquidity. Look into online banks e.g., Ally bank or your local credit unions that will typically offer high rates. Take advantage of any 401k matching contributions at work, and have a tax-advantaged Roth IRA.Good luck. 