<prompt> Human: Im 21 years old and I think because I had 450 in CC debt that I havent paid off in months and only paid a minimum here and there. I just paid the whole thing off now. I also opened a stupid Firestone CC and had 700 on there that I just paid off now making 100 payments monthly with no interest. Last time I checked my credit report, it was probably in July so I panicked because I read an article about not returning library books and how they can effect your credit score significantly.So what can I do to get my credit score back up? I only have one bank cred it card and about 3 store credit cards. Never made a late payment and I have finally paid of all my CC in full.  <response>: The functional difference in 750 vs 762 is pretty much nothing. Dont sweat it. 