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Why my credit score won’t go up no matter what I do ?

I’ve been making my payments on time and it barely move I just turn 20 this year, the only thing I have on my credit is my Neiman Marcus credit card and I paid it off and my car payment that’s all I don’t have no other dept, I contact the credit bureau asking why my credit score has been the same for 4 months and no changes and I make all my payments on time what else to do my credit score is at a 602 they’re saying I need more dept to have good credit history and I need to have more credit cards and more things to pay for like what? Are you serious what if I don’t want a lot of dept, I dont even have a house yet to have a lot of dept like WTF what if I lose my job and can’t pay for all those dept it’ll be even worst on my credit I literally don’t what else to do? I hate dept are there any other ways to build credit without unnecessary dept?

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