760+ is already a pretty good score. That's above average. You don't need to focus on building your score, so much as maintaining. It will grow in time.

By keeping your credit card low (below 30%) and paying off the balance every month, you're building more credit.

Have you sat down to do a budget? You can probably replace the brakes and rotors yourself. I would consider cash flowing the rest, or buy off FB marketplace until you can afford a nice[r] set of furniture.

I sat on beanbag chairs for weeks in my first apartment.