Ishmael109,

I am new to the FICO forum and SCOREWATCH. I have been closely monitoring my credit score for over 1 year now and have seen minimal increases in my score. I pay all my bills on time, I only have 3 credit cards with limits of $900.00; 2500.00; and 950.00. I don't know what I'm doing wrong. Can you please give me some advice? My goal is to buy a house by the end of the year but not with my current score. My goal is 760. Is it true that I should leave a small balance on my credit cards once a month?

Thanks,

Tish