<prompt> Human: I have about 5 credit cardsincluding those where I am an authorized user with my spouse and the total credit limit is about 55,000. We use about 3 of the limit max at any given time. We have about 13,000 in auto loan. What would be the best way to raise my score, to say 810-820?We have no delinquenciesnegative remarksold medical bills on our credit. My spouse has a score in the 830s. We are looking for a mortgage in the next 2 years, and I would like my score in that neighborhood as well. My oldest credit card was opened 3 years ago.  <response>: your credit scores are fine. better to focus on saving a big down payment. 