<prompt> Human: For the first time, my credit score has not increased. I have always been perfect with my payments and have a 0 credit usage. My credit score didnt drop but it didnt increase either. Just wondering why that is and what i need to do to get it to continue to increase.  <response>: There are lots of reasons it could go up or down. Dont focus on the number, instead focus on general financial health: pay down your debt, use credit responsibly, and dont spend frivolously. 