<prompt> Human: Was finally approved for my first credit card in May 2016. I had zero credit history beforehand no student loans, mortgagecar payments, etc. so I was forced to put a 500 deposit down on a secured credit card even with proof of 75k income. Ive been paying the bill in full, on time, every month. Heres a list of my monthly FICO scores:June: 558July: 602August: 590September: 619October: 619Am I doing something wrong here? The limit is only 500 so Ive come close to maxing it out every month but all of my payments have been on time. Any advice is greatly appreciated! Assistant: Am I doing something wrong here?You are obsessing over your credit score, so, in a sense, yes. Ive come close to maxing it out every monthThis wont help you increase your credit score. If you want it to go up, stop doing that. Human: Forgive me for obsessing but its pretty frustrating making 75k at 23 yo and still needing my parents to cosign on a lease for me because my credit score is crap.Ive read youre supposed to stay around 20 of your max which is tough with only a 500 limit but I guess thats my only option.  <response>: The biggest determinant is time, and you cant get over that. In terms of utilization, you can artificially control that. Before the statement date, you can pay off 400 of your credit card, and let the rest go to the bill, then get auto paid or however you pay. You arent limited to paying only after the bill, and the billed amount is the only amount reported. Basically, instead of paying monthly, you can pay twice per month. 