<prompt> Human: Im 20 and decided a month ago that it was time to start building my credit, so I got a student Discover credit card. I had a 500 credit line, and used about 400 of it during my first month. I paid 250 of it before my statement came out and then paid the remaining 150 that was on my statement the day I got it. So today I check my score and my score went DOWN 3 points this past month. All of the different categories that it showed me that determines the score were all marked Good except for Length Of Credit, which is marked Poor. It says that of my 3 accounts of credit, the 2 oldest ones are 2 years old - those are my student loans that I took out once I started college. And the 3rd being the card i just got. So basically what Im asking is what caused my score to drop? Does having my student loans active damage my credit until I pay them off, even though Im not required to make payments on them until I graduate? Or was the way I handled my payments on my credit card the reason my score went down? I dont get it so Id really appreciate any input  <response>: DOWN 3 points this past month3 points is nothing. Your credit will move like that pretty much every month. dont worry about the small moves. 