<prompt> Human: Hey folks,This is anecdotal data, but I thought I would share my short story in case anyone was trying to play the raise-my-credit-score game.I began with a low credit score high 500s due to high student loans economy crash of 2008 and have recently been able to finally start tackling my finances.I joined Mint.com, CreditKarma.com, as well as WalletHub, and began to browse many sites related to improving credit scores. Many of them had credit simulators that worked with my exact data, pulled from all of my accounts and debts, etc.They ALL said that applying for more credit cards would raise my score. I did even more research, asked my friends and family, and pretty much everyone else agreed.I have about 6K more credit added to my finances, and Im not going to actually use those cards.HOWEVER, what every single simulator must have failed to consider is that those two new credit cards then had a life of 0 years, which brought my average life of my credit down enough to LOWER my credit score by about 15 points.Nothing else has changed in the last 6 months - all accounts paid on time, no new loans, etc. In fact, all of the credit sites that reported my credit score going down specifically alerted me that my average credit age lowered due to the two new credit lines.It will go up in the next six months, however, Im still a bit annoyed that it took the dip it did.So, if youre looking at opening up new lines of credit to increase your score, be wary I suppose.  <response>: If you applied for any type of credit cardhomecaretc your score will first lower, then start to raise. Might drop for 3-4 months, then raise. Might be a month, might not be. 