<prompt> Human: Signed a refinance mortgage as a co-owner with my parents. Agent said it shouldnt affect my score too much. Was sitting at 803 before all of this. After a credit check it went down to 795. After dealing with the mortgage process, it went down to 755. I have no other debt aside from the mortgage, pay my bills on time, and save up my money after maxing out my IRA. The rest i just put towards the principle of the mortgage. What can i do to increase my score again?  <response>: This is normal because the new loan has dropped your average age of accounts. Just keep things paid on time etc and it will come back up. Theres no way to make up for account age except to let accounts age. 