Recently got a student credit card from chase two months ago and signed up through credit karma recently, both tell me that I have a 713 (716 now) credit score even though this is my first time trying to raise my credit.. is this accurate? And how do I raise my credit, I asked family but their answers varied from maxing my card out then paying it off either that day or the closing date to also only using 10/30 percent.. how can I check without hurting it to see what my actual credit score is, and how can I raise it safely but as efficiently as possible. I would really appreciate the help! Ty