u/BreakfastNo1983

This my current credit score as of today. I am 21 in college and was not properly educated on credit cards but I only owe $1k on one card an and no other debts or line of credits.

I have enough money to pay off the entire card right now. Do I do that or pay it off monthly to boost the score ??

What is the best course of action for me right now . I have been late 4 times with 3 of those times being 30 days and once 60 days. Am I screwed ??