<prompt> Human: Background: I pay all my bills on time and carry over a zero balance most months on my credit cards. At most my utilization rate is 5. I do use my credit card for everyday purchases and to pay for my utility bills. It is currently at around 770-780. I dont understand why sometimes my credit score will go down one month and then go back up if I pay everything on time and have a zero balance. Also how can I het it over 800?  <response>: You know it cant increase forever, right? Why are you fixated on an 800 score? 