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Just finished grad school, have a job, and will soon be paying off the last of the credit card debt I built up while in undergrad. Currently my 3 scores are 679, 691, and 708, with about $4k left to pay off, within the next 2-3 months (scores are low because of some late payments marks 4-5 years ago - but the scores are on the rise, and I'm feeling good about my progress).

At any rate, after I do pay off the final card, what's the best way to improve/maintain a high score? That is - never use credit at all...or charge a little every month or every few months, and pay in full when the bill arrives? It seems to me to have good credit you have to USE credit, such is the story about a person who has no credit cards at all having trouble getting approved for a car loan (or with high rates). Any credible references to which is better - not using credit at all or charging & paying in full each month - would be greatly appreciated!
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