I'm 31, credit history goes back to when I was 15, so 16 years and I have never gone over my credit limit on any card and have a $0 balance on both cards. And we have about $50k left on the house. That is my only "debt" which will be over in less than 16 months, so then my credit score will go up to 830 or 850 or however high it will go right? Just kidding.