Ahh yea good advice on that, you're right that I need to get the small credit card paid off ASAP. It's a high priority - I just caught up on payments for everything, including rent and utilities bills and all that, so now I can pay it off :-D

Although in all frankness I dont care that much about my credit score - I know its useful, but I don't intend to ever borrow money again if I can avoid it. Not even for a car or a house.