<prompt> Human: Right now my credit score is hovering around mid-to-high 700s...as in between 750-770 but I cant seem to get it past that plateau at all towards 800. Its been stuck there for the past few years. I am 25 years old. Heres a bit of background on what my current financial situation is like at the moment:I currently pay about 6400 in loans each year with a salary of 53,000I graduated college about 4 years ago so the oldest loan-type accounts I have open are my student loans, which I have been paying off now on time for 4 years. I have a car loan started about 1.75 years ago that I have been paying off consistently. I have about 5 credit cards, the oldest about 7 years old and about 3 that are 4-5 years, one that is a few weeks old trying to build up miles for flying!. My total credit limit for all the cards combined is about 22,000. I use only three credit cards at the moment...two are retail store credit cards that I just let sit and only use if I buy clothing at those stores, which is rarely nowadays. So theyve had a balance of 0 for a couple years. Two are cash-back type with super high credit limits where I put almost all purchases on. One is a credit card I use just for gas purchases just so I have a purchase on there a couple times a month and also just to keep track of my gas spending. I probably use about 30 of my credit limit that gets posted as my balance at the end of the cycle, and I always pay them off before I have to pay any interest. Ive only had a couple credit inquiries in the past two years, one when I purchased a car and another when I just recently rented a new apartment. My question is, am I too young to have a credit score that high yet because most of my accounts are 5 years old or less? Or, do you think I might be spending too much of my credit limit on my credit cards to have my score advance any higher? Im not planning to make any giant purchases such as a house for another few years but was just wondering...for those of you who have made it to the 800s how precise you have to be with your debt to income ratios, etc.  <response>: Past 740, your credit score really cant do much more for you.If you really are shooting for 800, just keep using your cards and paying them in full. Let them age, pay down your loans, and you should be gold. 