Correct. Carrying a balance month to month on a credit card will not improve your score, and it might possibly harm your score.http://www.huffingtonpost.com/creditcom/credit-card-balance_...http://www.nasdaq.com/personal-finance/credit-cards-credit-r...http://money.msn.com/saving-money-tips/post.aspx?post=c66f35...http://www.creditcards.com/credit-card-news/tanisha-warner-c...What does affect your credit score:http://www.federalreserve.gov/creditreports/#credit_score
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