<prompt> Human: I am currently 21 years old, and have a credit score of 689 according to Credit Karma. My credit score has fallen, risen, fallen, and risen so many times in the past few months. Im curious as to if Im maybe doing something wrong.nbsp;I currently have a Wells Fargo Platinum Card that is 2 years old with a credit limit of 1,000. I also have an Amazon Store Card not to be confused with their credit card that is 2 months old with a credit limit of 2,200.I pay my balance in full every month, and have never missed a payment. In addition, I try to utilize no more than 30 of my credit limits. I also only have 4 hard inquries on my report. nbsp;So with all of that being said. How can I increase my credit score, and why the constantly and extreme fluctuation in the score?  <response>: Credit scores are known to fluctuate over time, granted that your utilization ratio likely changes.If you want to improve your score, try our credit building wikiAlso, please note that CreditKarma scores are for reference only, and do not reflect your real FICO accurately. 