<prompt> Human: Current credit score 634 on TransUnion. I currently have 22K in student loan debt and Im making minimum payments every month, which is about 60. I also have two collections on my report for medical bills totaling 205. Last month I got a new credit card that Ive been using monthly, less than 30 of the full balance, and I pay for it on time, it did raise my score a little bit, but not enough. How can I raise it higher in 3 months or less?  <response>: Short answer: you probably cant. Those two accounts in collection will hurt your score for years. 