<prompt> Human: So my credit score was a 650 or so. I went about getting a new car and after about 6-7 loan attempts I finally got one. I have a credit card currently with about 1100 and the limit is 1200absolutely my mistake that Ive been paying 100month to get rid of. Besides that I have student loans for 2500 so far but they are marked as deferred.What are reasons my score could have gone down? I have no late payments on the card and I dont think student loans would affect it. I believe it might be the hard credit inquiroes that were made when trying to get approved for a loan.That car loan is out for 10k now. Ive made 2 payments on time to them.If it is the inquiries how do I fix that? To my understanding they go away after 2 years, but preferably I can get my score up before 2 years. Will continuing to make payments on my card improve it?Really any advice would help. Thanks.  <response>: You have almost 100 utilization. 