<prompt> Human: In the past 12 months my FICO score has been between 726-763. I would like to get in the 800 club but not sure the best action to take. Heres what my situation looks like:Target Visa: Opened 1998, High Balance 7,500, Minimum payments, always made on time. My mom put my name on this card when she opened it so that I would be allowed to go in the store to make the payments because she was not always physically able to do so. Since I moved out 5 years ago I do not make purchases with the card and I do not make payments either. Its just her card now which she really cant do much with besides make payments. Visa 2: Opened 2011, Zero Balance, Limit 4,500Card in my name only, I got it through a bank that required you to pre-pay a couple hundred dollars so that I could build my credit since I was turned down by AMEX. I always paid off the balance and after a year I got my pre-paid amount back and the limit was increased and then the yearly fee was taken away. I do not use this card but I keep it active in case of special circumstances. AMEX: Opened 2013, Balance paid off monthly, Limit 17kOnce I qualified for this AMEX I got it and used it instead of the VISA 2. Used it mainly for the cash back benefits usually get 200 each year and I always pay the balance in full each month. Every time I get a notice I can increase my limit I accept, although I never charge more than 2k in a month. Car Loan: 2,700 left 112mo paymentsStudent loans: 7k just started making payments in January, paying 200moAnnual income: 50kIm thinking I should get my name taken off the Target card. Would that make a difference right away? Or does the length of the account 20 years help the overall average? Would paying off that balance help significantly in terms of score? Is there something else that Im missing that could help increaseeffect my credit score? Thanks.  <response>: If you want 800 cause you set it for yourself as a goal, cool. But FYI, you only need in the high 700s for access to the best rates 