<prompt> Human: I have only had a Discover card for 3 months Which were all paid on time and 1 medical billWhich I dont even think counts and my score is 720. Is this normal?EDIT: This is according to CreditKarma.com  <response>: Because you havent screwed it up yet. Avoid making any late payments and dont let your credit utilization go too high. You should have no problem staying above 700. 