<prompt> Human: I started a company a year ago, and during the process I had a Target credit card that was canceled due to my inability to pay it off I did pay it off in full about a week after it was cancelled, but had already missed 5 payments. I also had 2 other cards that I was making regular minimum payments on, but they were nearly maxed out the entire time. Now, Im making good money because my business is experiencing relative success, but my credit score has fallen from 780 to 601 over the past year. Now that Im making a healthy income, my cards are all paid off and my goal moving forward is to only use them as tools to increase my credit score. Is there a perfectly optimal pattern of credit card usage for someone whose only goal is to increase hisher score?  <response>: the whole point of a seven year credit history is that you cant just change it willy-nilly. Pay your debts and it will improve on its own, over time 