<prompt> Human: Hi Reddit, Im a 22 year old graduate student who is type A in every way. Next year Ill complete my masters program with 17,000 total in federal student loans for 6 years of my education. My programs post-graduate employment rate is 100, and I can expect to make 55-60 in my first year out of school. I just applied for my first credit card through capital one and was approved. However, our of curiosity I checked my credit score via credit karma and was shocked to find that its 576! The report details that theres no data in terms of credit card use makes sense, I have a 100 payment history, no derogatory marks, a credit age of 8 months makes sense, that was when my student loan was dispersed, one account, and one hard inquiry applied for a credit card once. How can I improve my credit score drastically within the next year, and is the reason its so low because of pretty much my lack of credit worthiness based on a lack of evidenced credit use? Please help me!  <response>: Use your new credit card responsibly, and keep up with your 100 payment history.Other than that, you just need more time. Good credit comes from an established years long history of being responsible with credit. 