<prompt> Human: What are the requirements to getting that high of a credit score? I have perfect credit, no late payments, 2 credit cards 5k limit on each, a paid off car loan and 7 years of credit history yet I am still somewhat far away. I have good credit, but am utterly confused on how to get to 800.Assistant: By being a badass. You didnt mention average age not the same as length of history, though if the AAoA is 7 youd need a few more years anyway, you need more accounts which will lower your average age...fun trade-off, and you didnt mention utilization. Also having a mortgage helps a little bit, so...go buy a house?Human: Hmm, my AAoA is only 3 years, but my oldest is almost 8 years. I only have 3 accounts, and I try to keep utilization low around 10. Do you really need AAoA to be closer to 10 years to achieve 800? How many accounts should you have?  <response>: Its definitely your AAoA. Dont worry - your score is probably as high as it can be at this stage in your life, and there is literally no benefit to a higher score anyways other than ego. At this point, you should focus on other aspects of your finances. 