Building Credit back up

[Atalia Abat]

I am 23 years old and I am starting over with my credit. When I was 18 I was married for a short time and owned a condo. Eventually that ended in a foreclosure. It's been about 3-4 years since that was reported on my credit and I have been trying to build my credit back up since. My score is at 609 right now.

I have a credit card with a $500 limit, balance at $400
I have a store card with a $250 limit, balance at $200
And about 3 other old accounts that I had paid balances on and closed years ago.

I have been paying a little over minimum payment on my cards each month but want to pay them down quite a bit more.

Any suggestions on what I can do to build my credit and get my score back up? Should I try to pay my cards down completely or leave a little balance on them?