<prompt> Human: Here are my stats according to Credit Karma. Seems to be in agreement with my FICO score the last time I checked it. Score: 749 Utilization: 5 No missed payments or derogatory remarks 1 hard inquiry due to requesting my bank to increase my credit line on a card Avg account age: 5 years Open accounts: 2 credit cards Closed accounts: 3 credit cards My very first credit card was with a local bank, which I closed after 4 years since I didnt know it was beneficial to keep it open then. Ive kept my now oldest card since 2008. I have never had any other student or auto loans. And I dont plan on getting any within the foreseeable future.My goal is to get my score to at least to 760 as Id like to be approved for the lowest rates when I apply for a mortgage in the next 2-3 years. And Ill have 20 of the down payment in savings. At the moment my strategy is just to maintain what Ive been doing and to not get any new credit cards or request any credit line increases to avoid any hard inquiries. My 2nd card routinely increases my line automatically wo any inquiries.Is anything else I can do to improve my score in the next 2-3 years?  <response>: I was at 810 with just 1 student credit card that had a 500 limit on it. 