<prompt> Human: As the title says I am looking for the fastest way to raise my credit score. I am single female college graduate working full time. Here are the numbers: Current credit score: 640 needs to be at least 740Bring home after taxes: 8500Mortgage:1100Car payment:575Insurance:140Cell phone:85Household bills:500Capitol one cc has a balance of 420 with a 1300 credit limit Credit one cc has 250 balance with 600 credit limitGas: 350Groceries: 275Eating outgoing out: 150 My goal is to buy a house. I just graduated college and just started making real money so I havent been able to save any yet. Ive had a couple of big expenses over the past couple months e.g. dentist new tires. Over the next 6 months I want to raise my credit score by 100 points and save 18,000. What is the best way to get there? Please help me pf! Assistant: Drop your utilization to zero. Get your limits raised. Find out what you did that resulted in a low score. Stop doing that. Human: I heard if you pay off your credit cards completely it hurts your score. Meaning you should always leave a little balance. Is that not true? The main thing that is hurting my score is all that my credit cards are all relatively new  <response>: Not true at all. Banks dont really like when you dont pay them interest but the banks dont set your credit score, so who cares? 