<prompt> Human: I graduated college two years ago and was fortunate to land a very well paying job right out of school. I have been trying to build my credit with a goal of reaching 800.My credit is in the 780s right now and I believe Ive hit a ceiling until the average age of my accounts increases. No matter how much my available credit increases my score remains the same now. When I first started paying attention to my score it was in the low 700s and rapidly increased as I opened new accounts and increased my credit. However, it seems as if I have hit a ceiling now because it will not increase beyond 786. A credit inquiry fell off my report and my credit line increased by another 2,000 last month but my credit score did not budge. The only thing that looks bad on my credit report is the average age of my accounts. Is it likely that the age of my accounts are blocking my score from increasing for now?  <response>: I had an 800 credit score by 29, so yes. Unless 29 is no longer young.It really doesnt matter though. Beyond a certain point, anything above it is just bragging rights. Having an 800 credit score is like having a 12 inch penis: Its something you can brag about on the Internet, but something smaller will get the job done just as well. 