<prompt> Human: In my mind I have perfect credit. My credit score is good, but not great. It is around 760. I want to buy a house soon so instead of good, I want it to be great. My debt is as follows:- 2 credit cards with very high limits I have had for over 10 years, paid off every month, no balance. - never had a late payment on anything- car loan of 5,000 at 3.5, paid on time every time- had several car loans over the past 10 years paid off early every time- couple of 0 interest store credit cards, paid on timeThat is the extent of my debt history. Why is my credit score not in the 800s?  <response>: First: What is the source of your 760 score? If youre getting it from Credit Karma or a similar site its likely to off, sometimes by a lot.Second: For most mortgages, anything over a 740 for will get you the best rates. I dont think there is anywhere that having a score over 760 will make a difference. 