<prompt> Human: I have a 620 credit score and Id like for it to go up 100 points in the next year to year and half so I can get a mortgage. If I get a credit card and use it and pay the bills off right away does that make my score go up? Assistant: Dont pay off anything until you receive a statement and the credit card website says something like minimum payment due:. If you buy something and pay it off the same day it does not get reported to the credit agencies.Human: Should I just pay the minimum payment due at the time then?  <response>: no. pay the full amount. but wait until you get the statementbill.easiest way is to set up auto-pay for full balance. 