<prompt> Human: So I registered with Mint not that long ago and did the credit check to find I have a score of only 680. I am 20 years old and have 2 credit accounts. 1 with Amazon GE, and the other with USAA. I almost always use my USAA credit card for purchases and pay it off the first chance I can usually the following week. Ive had it for about a year. It is always paid off and Ive never paid just the minimum amount. I just paid off my Amazon Credit of 2500 in only 2 months. I got a 12 month deferred interest and just decided to pay my product off right away instead. Am I doing something wrong here? I feel like I should at least have a score of 700? Im looking to buy a house in the next few months and this scares me.  <response>: There are several factors that determine your credit. However, the most important one is on time payments. Your institution will often send your statement balance to the bureaus when you receive your statement in the mail. If the number is a 0, they will have trouble recording an on-time payment. So in short. Let your statement balance come in and pay it in full every month. You have no interest on charges as long as you pay in full, and your payment will be recorded.There could also be a number of other factors affecting your score. Usually people just starting out on their credit trail will have a lower score. You should see this rise over time as your accounts mature. 