I've two credit cards. One with Citibank and the other with the BOA. But I only use the BOA card and just 15% of the limit. Is there any specific amount of points my score will go up each month? Can my credit score go up faster if I use the other card too? Besides having a student loan, this is the only debt that I carry. I don't have any mortgage or a monthly car payment so just want to know how can I raise my credit score fast. Thanks.