Given the amount of financial unrest that has taken place over the past two years, it makes great sense that in order to have a better chance of financial stability increasing your credit standing is a good place to start. The good news is that in order to Raise Credit Score many things can be done, one of which is doing everything possible to pay down credit cards. Revolving debt is just that, revolving. The only way to substantially cut into the amount you owe is to make a serious effort to drastically reduce, and even eliminate, the amount of credit on your books.