<prompt> Human: After practicing some serious self control and paying down some balances massively, my credit score went up over 100 points! Feels good, man. Heres to a more responsible financial future!I brought my utilization from 90 all the way down to 18  <response>: Yay! Me too, just focused on paying down debts went from 560 to 760 over last two years. Im not concerned about the number, just a nice bonus to my goals 