<prompt> Human: I have no idea how it happened, but according to Credit Karma, my credit score jumped from 601 to 715 from Dec. to Jan. Last year I started to use YNAB religiously. I have made all my payments on time, and have tried to pay down some debt.Prior to this year I had one credit card in good standing. It had 500 limit. It has since gone up to 1,500. I also have opened 2 credit cards in the last 4 months to take advantage of rewards now that I am more disciplined. A USAA Rewards credit card with 2,000 credit limit and a Quicksilver card last week with a 3,000 limit.I just had to tell someone. Thanks for all the advice over the last year rpersonalfinance  <response>: Thats awesome. Just FYI though, Ive found a big discrepancy between my Credit Karma score and my actual credit scores from the big 3. 