I currently have approx. 8,000 worth of cc debt - FICO score is very low (596-619) due to past late payments. For the past 8 months I have paids all on time and the score has risen. Question - Shoulds I pay the cards off in full now or should I pay each month for 12-24 more months to establish an on-time payment history? Which would be more beneficial to my score?