<prompt> Human: So in the past 6 months Ive gone from a score of about 550 to just recently 667. To do this I got a secured credit card, used it responsibly, and got my 1 derogatory taken off my report. Credit Karma says my payment history is 100, utilization is 5, 0 derogatories. My avg age of credit history is 6 months and I have 3 total accounts.Obviously my age of credit history will go up, but I mean other than that, my payment history cant go up from 100 and I have no more derogatorys and my utilization cant get any better really. Will on time payments help this? I just want a 700 score and I feel like my score will be stagnant now.As far as average age, Im only 6 months, but say that went to 2 years and boosted my credit. I would then get approved for a new credit card, then my average age would shoot down to 1 year? Seems like I can only go down from here...Assistant: My avg age of credit history is 6 monthsThis is probably whatll take the longest to change, but it has a pretty big effect on your score. The longer your average age, the higher your score will go.Took me about 2 years before average age let me go up to 750.Human: What sucks is its average. So when I can finally get an unsecured card its gonna cut my average age in half. Then if I got a car payment it would cut it up in thirds?  <response>: Yeah, thatll happen. Thing is though, since number of lines of credit also matters and you have to wait anyways its helpful to cut it now. Its less painful to cut 6 months into 2 with 3 lines, than it would be when you have 1 line about to be 2 years old, then need to add 2 new ones... yech. 