<prompt> Human: Hi rpersonalfinance,I have a few questions about my FICO Score. I am 21 years old, and have had a credit card since I was 18. Right now I have three credit cards, two of which are in my name and one that I am an authorized user on my parents card. I just looked at my FICO score on the Discover card website, and it is at 781, which I am reading is very good for someone my age. I do have a few questions though, the main one being how can I improve my score? Ideally Id like to be over 800 if possible, and I see on Discovers chart the highest Ive had in the past few months is 792. The Discover website lists the relatively low length of credit history as being a factor that is keeping my score down, but Ive had my accounts for 3 years already and am curious what would be considered a long period of credit history. 10 years? I keep my balances low every month for each card and pay off in full every month, and I think this is a factor for keeping my score higher. Should I be worrying about trying to increase my score right now or is 781 high enough for someone my age? I dont anticipate having any big loans in the near future, possibly a loan for a car in a few years and a mortgage somewhere down the line, but I want to be set up for those as much as I can be. Thank you!  <response>: Dont worry about it. Keep doing what youre doing and your score will be excellent by the time you need it. That, and youre not going to get any better rates than someone with a 740-750 score. 