would you prefer to borrow more and pay the interest so that in the long run you acheve 800 as a personal goal
would you rather take the money you would otherwise spend on that interest and invest / save that money so it grows even more.
if you save and invest, you don't need to borrow, so the credit score isn't of value
maybe time to change your goals?
You just need more time. Bottom line. Over the next 2 years or so you will have increased credit limits and have established more experience with credit. Make sure the cards you have are a mix or charge cards, retail cards and credit cards. Do not apply for more new cards so long as you have 5-8 cards already. The length of time of your credit is an average of your oldest and newest card. Opening a new account will hurt your scores. A pro tip is having for example, 3 chase or 3 Citi cards and requesting to consolidate all 3 of those cards to just a single account which should be your oldest card. So if you have 3 chase cards 5k limit on each, consolidate them to 1 card with a $15k limit. Easy 50-100 point increase. You’re young, just give it time.