<prompt> Human: Im trying to build my credit and have been working at it for over 2 years now. I was a low 500 when I started. I financed a car a little over a year ago and have paid on time every month. I have a credit card that I never exceed 10 of the limit and pay in full on time every month, usually the same day the balance is posted. I am paying my student loans on time every month. I do have a few collections that I am working on mostly a repossession from about 5 years ago that Ive been paying down. It all shows on my credit, but I cant seem to get my credit score beyond 640.Right now according to Credit Karma My TransUnion is at 641 and my Equifax is at 638. I did notice that I had an increase in my credit card usage from around 4 to 6 and I got 1 point knocked off on Equifax for the increase. I dont understand why that happened. The change hasnt been posted to TransUnion yet but Ill just assume that will happen as well. Whats the point of having a credit card and paying in full on time 10 of my total limit which is only 300 at the moment if it just brings my credit down? When I first got the credit card and paid the first balance my credit shot up from a 617614 could be off by a few points to a 639638 TUEq but it hasnt risen much since.Im allowing my credit card to post the charge before paying it in full so it shows a balance on my both my credit and my statement. Is this the correct way to pay credit cards? I still feel like I have no idea how credit cards work and Ive had it for almost 6 months.I dont understand what I need to do to increase my credit further. Im wanting to buy a house sometime in the next few years but I cant even get my credit score high enough to get a decent interest rate. My credit has been stagnant at around 640 either increasing or decreasing by a few points for at least 3 months. Any ideas on what I should do next?  <response>: My credit has been stagnant at around 640 either increasing or decreasing by a few points for at least 3 months. Any ideas on what I should do next?Just keep doing what youre doing.Credit scores are a long term game. 3 months or 6 months is nothing. It takes years to build good credit.And whatever collections you have on there are going to severely limit you until you can get them paid off or they fall off your report. 