<prompt> Human: My payment history has been solid for years. I use two credit cards and pay them off each month. I have another emergency credit card that doesnt get used. I have an auto loan and a mortgage. My score seems stagnant, and credit karma showed a drop recently that I cant explain except that I withdrew a lot of cash to buy a new HVAC unit. Someone claimed that making two payments a month to your credit card would raise your credit. Is that true? Is there something I could do to make an impact?Assistant: People making multiple payments are trying to keep the reported utilization low. Minor bump that wont take you from mid 700s into the 800s by itself.When you say solid for years, what does that mean? 2 years, 50 years?The auto loan can cause a small hit until its repaid. The mortgage will also count against you and slowly restore as the outstanding balance gets smaller and you continue making on time payments.Withdrawing money doesnt count against your score. They dont look at your savings or checking accounts.Very few people get to 800 and even fewer maintain it. Usually once over 750, you qualify for the best rates a lender will use. Theres not very many specific benefits to being over 800 other than lenders will gasp when they see that number.Human: Is it true that someone adding you as an authorized cardholder will boost you? My parents are in the 800s and would probably do it.  <response>: No, this is not always true. It depends on the card. Some cards do not report authorized users at all, some only start reporting from the date added, and some report all time. That said, it doesnt guarantee you an 800 credit score just because they have that. Their credit score is comprised of way more than just that one line of credit. 