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As a 22yo Grad Student, what can I be doing to improve my credit right now?
I currently have a score of 646 (recently down from 660 because I applied for a credit card but it has not come in the mail yet!) I have a few loans open, the oldest almost 4 years now, and I applied for a 0 annual fee card so that I can pay off small amounts but still save money. Is there anything else that I can be doing right now?

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