<prompt> Human: Title says it all, I just went under contract for a home, and my lender did a credit pull to find I was at 738. I need to be at 740 for the next tier of rates. I close on 831, and I believe I will need this finalized 10days before closing. This gives me very little time to attempt to get to 740.Credit info:My credit is very good, and I think the only thing holding me back is that Ive only had it for a little over 2 years.Credit utilization: 4 of 13k credit Payment history: 100Derogatory marks: 0Credit age: 2yr2mosTotal accounts: 3Hard Inquires: 1 this might be 2 now from the recent pullWe are going to check again Monday after my statement closes on the 4th to see if that makes a difference.Do you guys have any recommendations on what I can do to bump up those 2 points? I would love to get a better mortgage rate but I do not know what else to do.Thanks for the help!  <response>: You can bring utilization to 1 and cross your fingers. Thats about it.Maybe the person underwriting will help at their discretion, maybe the difference in rates is so small it wont even matter. 