<prompt> Human: Ok so this year has been the year that Ive decided to stop being just another person on this planet and start getting control of my life and my finances and try to be more responsible in everything I do. Up til recently, like the last 4 months, I hadnt real paid much attention to paying my student loans on time, or at all, didnt get a credit card, and never even checked my credit score. It was dumb, stupid, and obviously hindsight is 2020, so Im trying to rectify that now.Last month was my final car payment, which was paid on time just like the rest and I was finally relieved to have that burden gone, until today when I checked my score. Equifax finally updated with the closed account for my car payment and it caused my score to drop by 46 points. I thought I was finally making progress, doing the right things, and then this happens.Some things I have done; catching up on my student loan payments, I surprisingly only have one late payment that dates back to 2012, but its on about 9 accounts since they are all on FedLoan, I finished paying the interest on an account that is in asset recovery and am now into paying solely on the principle, am disputing a bogus collections charge on my credit report, and I got approved for my first credit card this week.I know the road to credit score recovery is a long one, but I was wondering if there is any advice PF can give me for moving forward. Thank you for taking the time to read this.  <response>: Why does it matter that your credit score dropped? Are you planning to buy a house? 