I am 25. My oldest credit line is 7 years old. I have always made my payments, but I used to max out my credit cards which kept my credit score around 640. Approximately 9 months ago I purchased my first home, 2 months after I bought a car. Then in March I paid off the balances on all my credit cards. I have never been late on my home/auto loans, but I am wondering when I will see an increase in my credit score.