Credit scores are built to not make sense. I'll share what had helped me increase my score up +70 points this year

Keep your debt.

If you get rid of all of it, you will experience a 15-30 point drop.

Debt shows how well you can pay things off.

Credit cards suck but slowly paying them off increses your credit score faster than a Loan.

Keep your old ones open.

That will keep your score high and when you have kids they can sign themselves onto the card which will help keep their scores high as well

I pay on my debts twice a month.

They instruct you to only do it once a month but Credit Bureaus check your history twice and tend to use your lack of proactivity against you over time.

I paid off my 2 loans and am chopping down my big credit card right now. I am also saving money as well...

It costs a lot

I have had to sacrifice things that people my age group usually do

Which is alright because most people in their 20s don't know what they're doing so this decade is the best time to get your finances and career in order.

Anyways, thay's all I do to get my stuff taken care off and should be in the 800s in about 2-3 years.

*crosses fingers*

Credit Bureaus are built to not make sense but I have gotten a LOT of info about how to weed through the mess