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Their credit score went up 237 points. I'm going to tell you the secret. It's really not a secret. First, pay attention to your statement dates on your credit cards. Our credit cards have a due date and then they have a statement date. Our statement dates on our credit cards are the dates that the billing cycle ends and that is when our credit card balances are reported to the credit bureau. You want to keep your card balances as low as you possibly can on this date and then you can start spending the next day if you need to. Number two goes against most of what you've been told, which is pay all of your credit card balances down at the same time. If you want to increase your credit score, stop paying off one credit card at a time. Number three, pay attention to the utilization on all of your credit cards. Our credit utilization makes up 30% of our credit score. The way I have always done this is by using a credit utilization chart. Remember when you're paying down your credit cards, focus on getting all of those balances down. If you had all of your cards at 49%, that would be better. And having some of them at 0% and others at 100%. Anytime we have a credit card with utilization at or close to 100%, it's really going to hold back the progress on our credit score.