Credit score optimization

[Ben Matityahu]

Hey Guys I am new to the community and I was wondering how can you improve your credit scores fast to optimize score in order to qualify for Best rates ? 

Thank you 

[Bruce Woodruff]

Quote from @Nathan A.:

Pay down credit card balances but keep the accounts open, so your utilization of your available credit goes down.

This ^^. I made the 'horrible mistake' a couple years ago of actually getting out of debt completely (hey, I thought that was an admirable goal:-)

My score dropped by over 120 points a few months later. They really do not want you to be debt free, you are a bad customer at that point. What a screwed up system.

I personally don't care what my credit rating is, so.....meh...