<prompt> Human: I opened a credit card last summer in order to build credit up college student. By only using it for small things like gas and paying it off each month, it has risen about 80 points since last July. But the past few months it has stagnated then dropped. To be fair it has only dropped 13 points since September. But I havent change anything I do at all. What gives?  <response>: You need to look carefully at your credit report from September and your credit report now. What has changed? That will help you diagnose the change in your score. In general, obsessing about your score isnt necessary. Make good financial decisions, use a credit card or two responsibly, and let it mind itself until you need it for a specific purpose like a mortgage or car loan. 