Obviously, when we pay off cards, the credit score goes up. No magick can affect your score because it is recalculated as needed based on your credit history. The ‘score’ only materializes when requested. It isn’t stored.
My advice: Focus on money, personal transformation and influence magick.
Money magick helps you prioritize cash and makes it easy to flow to you. (Secret: Money magick is partially about transforming you into a money making machine, not just finding 100$ bill on the ground. )
Personal transformation and influence magick is just so you do better in job interviews and what not. You can use non-magick means such as Dale Carnegie’s “How to make friends and influence people”. It is AMAZING. Pure magick, but not magick. Obviously personal transformation can be achieved in many ways … that’s for the seeker to find out.
Also, are there things languishing in your credit file that you can dispute? Like an old card you paid off years ago?
The magick of making debt disappear and seeing credit scores grow is going to take you some time.
Perhaps focus on paying off some debt 100$ at a time. Work spells to bring you money and opportunities. Each time a bit of money comes at you, thank your spirits and perform a new spell.
Sorry friend, it will take time.