<prompt> Human: I just wanted to say thank you to everyone on this site. I have never posted here, but I read a lot and take everyones advice. I am 30 years old and have made poor financial decisions in the past damaging my credit score. I am trying to get a house, but was denied due to my score and have since used everyones thoughtsopinions on this site to increase my credit score by 11 points in 3 months. My goal is to get it up another 30 so I can be in the Medium Level Risk category. TL:DR Reading through this subreddit helped me get my finances in check and raise my credit score.  <response>: I wanna say congrats and all, but just remember its common for your score to fluctuate like - 25 points every month depending on your utilization. 