improve my credit score after I pay off

This is not a rocket science. But you can see a change only after the lender reports the payment to a credit bureau. Sometimes, you may have to wait for a month or two.

Charge your credit card for small amounts. And pay off your outstanding balance amount in full. Hope, you will see an improvement in your credit score after a certain time.

Having a good credit score is important, as it can get you lower rates on auto loans and mortgages, potentially saving you many thousands of dollars. It can also get you approved for top-of-the-line credit cards — ones with great terms, top-tier benefits, and more. To keep your credit score high, pay off your bills in full and on time, and don’t max out your credit limits.

It takes time. You have to deal with your credit cards and the payments properly. Also. you have to stay within your credit limit. This way, you can make a difference.