Q: I have great credit but would like to make it better. I pay all my bills on time and never late with my credit cards. How can I continue to improve my credit score?

A: The short answer is that sometimes raising your credit score takes time.

How long you’ve had your individual credit accounts is important, as is how long you’ve lived at your current address.

But don’t have unrealistic expectations. Unlike the SAT score, where a perfect score of 800 is possible, no one truly has “perfect credit.” Although the Fair Isaacs credit score typically go up to 950, the highest score I’ve heard of yet is only 850.

If you have a great score now, I’m wondering why you’re worried about raising the bar. Remember, anything over 720 is considered “perfect” to a lender. With a score over that number, you’ll be able to take advantage of the best credit card offers and mortgage interest rates. And that’s all that really matters.

If you want more specifics on how you can improve your credit score, go to myFICO.com and pay $12.95 for a copy of your credit history and credit score. The website will generate specific suggestions on how you can continue to raise your credit score.