<prompt> Human: Hello.Im 35. I live in Philadelphia. Divorced. My credit score is 768. Id like to try to get that as close to 860 as I can in the next year or two because Im looking to buy a home in the next few years as I save up my down payment.Personal Finance Details:Ive been successfully self employed illustratordesignercreative type for about 12 years. In 2017 I made 80k. This year Im on track to make 120k or more. Ive saved about 85k for retirement, in a Fidelity Traditional IRA. I pay about 1500mo in rent 1000 and living expenses 500- give or take depending on gas and electric usage.Personal Credit Details:I have one open line of credit - a Chase credit card that I use about 13 to 12 of the 3200 limit on at any given time, then pay off in full once the transactions post. Ive never been late on a payment. I own my car, it was financed for 12k in 2007 and paid off in full in about 4 years. My Student loan was the only other line of credit which I paid off 6 years after graduating in one lump sum check. Both loans were always paid on time as well. Ive closed one credit card through TD bank, about 8 years ago. It was always paid on time and rarely used. I closed it because it had steep annual service fees and a high interest rate. What can I do to increase my score? Should I open another credit card? Two? Should I get a new car loan to pay off to build credit? What are my other options?Any advice would be greatly appreciated. Im happy to update with more info if Im leaving anything out. Thank you for reading! Assistant: There is no advantage to having a 860 score vs. a 768. 768 will still get you the best rates.Human: Wow I had no idea. I just figured that I should be as close to 860 as possible before I try to seek a home loan. It is reassuring to hear that 768 is still good. I monitor it, and after I make my monthly payment on my card it typically shoots up to 799, then as I use the card mid month it dips down 40 or so points.  <response>: Everything above 740 is a pissing contest. Dont obsess about your credit score. 