I was once told you should treat your credit score like you would treat your grade point average. I have always believed in playing a sort of a game with my credit score as well as my g.p.a. Once you get that first 3.0, continue going up. Your next goal should be getting that 3.0 to a 3.5 and so on. This relates to your credit score. Pay off your debt and receive that amazing feeling of seeing your credit score go up. Once it goes up a few points continue to do everything possible to have it continously increase.