<prompt> Human: I just hit 800 for the first time at 29, and apparently account age is still the biggest point against me. Ive got a lot of debt, a mix of accounts credit cards, student loans, 30-yr mortgage, paid-off car loan, and no blemishes. Ive had credit cards and perfect payment history since age 18.Is it a pipe dream to think that I can go even higher without just waiting out the next 5-10 years? Is it possible to have an 850 credit score or close to it in your early 30s without winning the lottery and suddenly being able to pay all long-term loans down to zero overnight?  <response>: Once you are above 740 or so, it doesnt matter. You will already qualify for the best rates. 