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Fixing credit score at 23 years old with student loan debt as a major factor
Good evening Credit Karma community. I am writing for advice as to how to start fixing my credit score. Please see below for more information on my current situation.

- I am 23 years old, working a professional job which pays well for my age.
- My current credit score sits between 618 and 624.
- I have $100,000 in student loans ($80k from private lendor, $20k from federal).
- I do not have an active credit card (just paid off the remaining balance on an expired credit card which had $1,000 credit limit).
- I have an auto loan as my car was financed.
- I pay rent and electricity on my own, in a rented apartment (all other utilities are taken care of).
- I am making all of my monthly payments (loans, car, insurance, rent, and cell phone)... But I do need to work on making sure they are no longer past due - they never go more than 7-15 days past due, but I need to minimize this.

I have a new focus on improving my credit score and am wondering if there's any way that I could feasibly get it to over 700 by later this year / early next year.

I am also thinking about applying for a credit card or two soon, to help build my credit - but your guidance with this suggestion would be much appreciated.

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