<prompt> Human: So my credit score is 745. I technically have 2 auto loans Im a cosigner on one, 1 unsecured loan, and 2 credit cards. All loan payments have been made on time. I pay off my credit cards in full before the due date...but my credit score maybe goes up one point per month.What am I doing wrong. My credit history is only maybe 3 or 4 years old. The 2 auto loans are the oldest. The unsecured loan is about 1.5 years old. Ive had one credit card for about 2 years and the other for about half a year...but only started using it this week. I barely use My credit cards...Im not sure whether its better to use them a lot or a little. Ive heard you should keep your credit card usage under 10 of your limit...one of my cards limits is 750, the other is 2500. Do I have to use them to gain credit or is not using them better? Should I only pay the minimum? Or is paying them off in full better?I never spend money I dont have except in the case of the loans...but I want an 850...and I feel like either Im doing something wrong...or the length of my credit history is too short.Any advice is welcome. Thanks in advance.  <response>: but I want an 850Why do you want an 850? Theres almost no practical difference above 740-750. Youre entering hobbyobsessivepissing match territory.Edit: Or is paying them off in full better?Pay the statement balance in full by the due date. 