<prompt> Human: So while I was unemployed I didnt pay on my credits cards and it just got insanely high. Once I got a job I agreed to a settlement with both credit cards. I noticed that my credit score only went up two points after I paid off one credit card. I am making the last settlement payment on the second credit card and will be completely out of debt. How can I get my credit score back up now?  <response>: Harsh truth: Your credit score sucks because you have clearly demonstrated that you are a bad credit risk.Reality: Demonstrate you are a good credit risk by paying everything on time and controlling your debt...and your credit score will slowly improve...over years. 