<prompt> Human: I dont want to brag, but I always kept my credit rating good. Above 700 but I peaked at 770. I dont have any credit card debt, I do have school and auto debt. Im sure paying that off will help tremendously. Only derogatory mark I have is 1 late payment, I have 99 payment history and my average credit line age is about 3 years old. In the past 3 years I have been opening alot of credit cards, using them sparingly. I paid them off, then they go into my do not use pile.This might be a trivial pursuit, but I never met anyone with a 800 credit score and would like to achieve it.  <response>: Sitting at 812 FICO. After you get past 740 your rates and credit lines are about the same as any excellent credit score. The 800 club is pretty much bragging rights.I have about 14 credit cards and a low salary for a major city. I pay ALL of my credit cards on time and in full. If you happen to make larger purchases across different cards and proceed to pay off your balances in full your score will increase 4 points on average although YMMV. This is how its worked for me so far. I however dont have a mortgage or auto loan so that could be a differing factor. 