<prompt> Human: I have a bit more than 1,500 in old credit card debt I have defaulted on. If I brought the balance down to 1,500 and then used a pre approved 1500 line of credit to pay off the rest in full, then put 1500 interest in to a dedicated bank account set up with a monthly auto pay, will this build me credit as it pays off?  <response>: Just pay it off. That will build credit. Paying interest does nothing to build credit. 