<prompt> Human: Hi everyone!Im looking for some help on moving my credit score because it doesnt seem to budge. Im 19 years old, in college and have a job and have savings so that is all good.My Equifax score is 722, and my TransUnion is 705. I have 100 payment history, credit age days 8 months but my oldest account is from entering college a year and a half ago.I have 3 utilization out of 10,420. I most often put stuff on the cards just for the rewards, and usually pay it before the payment even posts or before my minimum payment updatesis due just because I dont like seeing a balance on the card.Any tips appreciated.  <response>: Credit scores are like GPAs. After some point, they dont matter a lot. 750 is same as 800. 