<prompt> Human: My boyfriend is trying to build credit so he got a credit card and a small loan from his bank. He said the Loan Officer had told him to NOT fully pay off the credit card bill but instead to keep some of it not payed off so it gets reported to the credit companies. The Loan Officer said this would help build credit faster. Is this true? I always pay off my credit card bill in full and have a great credit score. I just think this is odd. Is this true?  <response>: Last month Chase told me my credit score 831, Citi said it was 829. I havent had a balance on either card in several decades. Your bfs loan officer should stick to giving advice about what he knows. Perhaps that isnt loans either. 