<prompt> Human: Hello!Please ignore typos, Im on my phone.Im 25 and looking to increase my credit score. Current FICOS score is 636.Backgroundfacts:I have a bachelors, graduated 2013 and am fully employed with healthdental and a 401k no company match, 5 contribution. No student loans or debt, thank you parents.Take home 40kyear. Im hourly and depending on OT I take home 15 ish hour post tax and 401k.Rent a 1brm in Brooklyn with my boyfriend. Always pay rent in full and on time.No debt, besides an off-the-record loan from my parents that is interest free and I can pay off on my own pace, currently 100mo and at that rate will be paid off by Oct 2019.No car or property ownership. I rent a car from zipcar for occasional freelance gigs, long story.Have a Roth IRA and investment savings acct. Both have about 1500. I put in 50 into each a month. This will increase after emergency fund is filled.Financially right now Im focusing on building an emergency fund.One credit card - Discover card that Ive had since 2011. Currently have 4K limit. Ive never asked for an increase. Theyve increased my line 3 times. Ive accrued debt and paid it off twice- once when I initially got the card, which I paid off before my 18 mo 0 Apr rate expired, and again after I moved to nyc right after college, when I got a second 12 mo 0 Apr rate because I wanted to close the card and they offered me 0 apr to stay instead.I pay off the card every month - kind of. I try to leave a 5 balance to carry over each month, as Ive heard that increases score. I definitely have the money to pay it off completely at all times, the problem is exact timing. For instance, this cycle just ended. I paid my balance down to 5 the day before it closed, but that same day zipcar processed the extra tolls I accrued during my last car rental, so my account closed at 40 total. I knew about the tolls, but they hadnt processed when I made my payment, so I couldnt include them in my payment cant pay more than my balance. Even with my bad timing, my balance decreases every month.The only issues in my credit history are as follows:Moved out of my college apartment where utilities were solely in my name without having a forwarding address. Told ConEd to forward last bill 120 for two months to my parents address. I forgot about it, they didnt realize what it was, and I only paid it off after a collection agency found me about 9 months later. Immediately paid it off in full. That one is on me.Second I had a second credit line for 1500 with us bank during college on campus bank. I paid it off and closed the acct when I graduated. Twenty days after I closed the acct, they let a 20 charge go through, which I didnt pay because I didnt know about it as my acct was closed. Late fees ballooned the charge to 60. I disputed the charge, which I won and didnt have to pay, but I still had to pay the 40 late fees. Booo.During the time after I closed my US bank card and I figured out they had let a charge through, my credit score dropped to 540. Since I won the dispute and paid off my moving-to-nyc balance on my discover card, my score is up to 636. Obviously, Id like to increase it.Ive already pulled all three credit histories from the bureaus earlier this year to deal with the US bank issue. Didnt see any other issues on any of them.What can I do to increase my credit score, besides waiting for these things on my history to expire?  <response>: I try to leave a 5 balance to carry over each month, as Ive heard that increases scoreDont do this. Pay it off in full. There is no benefit to carrying a balance. The only thing you do is allow yourself to get charged 8 cents in interest every month for no reason.Best thing you can do is keep doing what youre doing. Pay your CC off in full each month and it will increase. 