<prompt> Human: I recently received a sum of money from my mothers estate after she passed away. I used part of the inheritance to pay off my car and all other debt. When I did that, my score went from just above 700 to 665. I want to by a house next spring and I want to be debt free to simplify my finances and help save for a downpayment. I feel like I am doing things right, but somehow being punished for being responsible. I know that if I go out and get another car loan or start using my cards again my score will jump right back up again but thats the opposite of what i want at this point. Does anyone have a recommendation to raise my score back up without going into debt again?  <response>: The bot provided some excellent information for you there. 