<prompt> Human: Ok heres the scoop. I had an old navy card with a past due that destroyed my credit. It was 91 but I dont remember not paying for it and didnt receive bills in the mail nor phone calls. Long story short it dragged me down to 520. Well thats done being paid off and in the last month Ive gone up to 630. This is the following I have in my name. -Mortgage-Cell Phone -Utilities gas, electric, water, cableEverything is paid on time and NEVER late. I also have a CC with a 1000 limit. I have ZERO debt elsewhere. No student loans. No car payments. What can I do with this CC to build my credit. Im looking to do a home equity loan soon to add onto my current house. Thank you very much.  <response>: Pay all your bills on time, all the time. 