<prompt> Human: I lived out of my truck and worked on boats for the last 4 years to pay off my debt. I was unable to make payments for a couple months at one point and my credit score shows it. Now that Im in a place of freedom, how do I raise my score?Will it take 7 years or is there something I can do in the meantime? What should I do with this 400 extra a month I now have?  <response>: Check your score again in 30-60 days; It should jump significantly by then. 