<prompt> Human: Im 23, think maybe I should actually try to get that max credit so wheneverif I want to buy a house in the future. Transunion - 748, Equifax - 741 and Creditwise on Capital One - 748I have 3 cards, with a total limit of 18.5k between the 3. Citi DoubleCash, Capital One Quicksliver and some Discover card I do not use. Age of accounts is 1yr, 8m. Credit Inquiries are Transunion 3 and Equifax 9. All 2015 inquiriesOnly one loan for 24k carNO MISSED PAYMENTS ON ANNNYYYTHING.If I missed anything just let me know.I use both the citi and capital one as main source and pay them off in full each month, so I dont even use my bank and bank card besides paying the cards off.What do I have to do differently to break the 800 barrier?  <response>: Itll just take time. You need a longer history and to mix up the types of lines of credit. Nothing to actively shoot for unless you want to buy a house right away.Dont miss any payments, dont close old credit cards unless they have a yearly fee, get some higher limits to increase your debt to credit ratio. 