<prompt> Human: Just a quick thank you to rpersonalfinanceIm relatively new to the world of credit - started in February with a 200 secured Discovered It card. I thought I was doing everything right, using it relatively often to build credit history paying off immediately of course. But - with such a low limit, that meant my credit utilization ratio was often around 75-90! I started reading more on this subreddit and learning a ton. I also started checking my credit score when it showed up after about four months. It was between 640-650. Not great, but not awful. I figure - has to be just that I havent been established long. Oh well. Time to wait it out. Then I learned what credit utilization was. And made it my goal for the month to hit 20 exactly! I also raised my credit limit to 400 secured. So hovering at about an 80 balance. And then, like magic, I pull my score for this month: 711. It went up 68 points in a month! I know most of that impact is because theres so little on my account at all that any small thing helps. But it was great to see such an immediate impact - especially when Ill be apartment searching sometime soon. Thank you rpersonalfinance !  <response>: ::raises hand::In all seriousness glad you finally saw the light. 