<prompt> Human: Some background:I am fairly young, have no student loans, and have only been using credit cards for a little over a year. My utilization is chilling around 20, although its about to go down to like 5 because I got a better card. Ive never missed a payment and I have no derogatory marks. No matter what I do, I cannot get my credit score into the 700s. Also worth nothing my TransUnionEquifax scores are the same, but my FICO score is 60 points higher than the other two.  <response>: I think you answered your own question. Utilization 20 and credit history is only a year old. 