<prompt> Human: I typically dont carry credit cards, I usually pay cash for what I have. My SO had me get an Amex and I missed a few payments. I currently have 4k in debt to Amex and have been getting calls from a collection agency. My credit dropped 100 points over a few short months and Im now around 600. Whats the best way to alleviate and get my score back?  <response>: Pay your debts and start using your credit card responsibly. Make smaller purchases and use it as a debit card. Make sure to pay it off each month, and if you are responsible your score will begin to rise again. Check out CreditKarma and monitor your score monthly. Theyll also help to give you some other advice on methods to improve your score. 