i havent had a card for about 18 years, i just got a platinum 300 limit from creditonebank to build credit. im at 680 from experian, 617 from transunion, 650 from equifax. i saw on the capitalone credit wise that "credit used" and "available credit" are two criteria that affect ur score. I need to rent an apartment in under a year but its section 8 so score might not be a serious factor.

im currently spending as much as possible than paying it off fast. but is it better to spend slowly over a longer period of time. cuz my score keeps increasing than decreasing becuz of "credit used" and "available creedit".and also considering the dates the credit bureaus check activity.