<prompt> Human: I have a score of 776. Im 25 and use a credit card for pretty much everything, but I pay it off every month. I have done this since I was 16 and think that is why my score is good.When I checked my score, I saw the max is 850. It got me wondering how I could raise mine and who has scores over 800 or 825... or maybe even 850? Is that even possible? The one trick I know is calling credit card companies and asking them to raise your limit. Id love to hear how everyone else has built a high score.  <response>: I would say that very few people under 30 have a score above 800. Time does a lot for your credit score. Plus, FICO does like to see different forms of credit. Younger people arent as likely to have mortgages or a HELOC. Many also still have high balance on credit cards and car payments. 