<prompt> Human: Okay, so I had around 15k in credit card debt, 4 cards all within 200 of their limits, and I paid them all off entirely on Monday.My FICO credit score mid-June was 632, and today I got an email notification that it had gone up to 656.I dont know if this information is useful to anyone, but I had no idea the change would happen so fast, and I figure people at rpersonalfinance might find it interesting.  <response>: This is the perfect link for every post that says, I know its better for my credit to keep a balance on my card. 