<prompt> Human: So, musing myself I finally went on credit Karma and looked up my credit score. I assumed it would be at the baseline, or perhaps slightly higher. I just got my first loan, and I have made payments on it without fail. The website reflects this 0 late payments ever. But my score is 622, which according to CK, is very bad. If Ive never missed a payment, and never had any debt whatsoever, how can my credit be bad?  <response>: Stop worrying about your credit score. If you are paying your bills off in full, every month, no exceptions by the statement due date you are doing things right, and your score will gradually improve. 