Lonnie is absolutely correct. You need to spend time leaning the game. You have played 13 ranked rounds in 8 months. Thus your average won't come down which means that you won't be able to advance to higher tiers. (Average is based only on ranked rounds.) Once you commit to playing, you need to play every day in order to get the most experience points to reach higher levels. You will also need to commit either time to get free credits or money to buy the credits needed to get superior equipment.
At your current level, here is my list of the clubs you might want to get either now or as you move up one or two levels.
Callaway Fusion driver @ level 85 for 2595 credits
Callaway Fusion 3 wood @ level 86 for 1645 credits
Callaway Fusion irons @ level 85 for 3395 credits
3 Cleveland wedges @ levels 76, 78, 80 for 4785 credits
Putter of your choice, priceless
The total cost for these clubs is 12,420 credits plus your priceless putter.
This means you reach into your pocket for something slightly less than $ 150 or you start working a plan to get "free" credits. I personally have never put real money into this game but have worked hard to get "free" credits. The same applies to Lonnie. I have a system that I work almost daily to get between 100 and 150 credits (and some days many more). In 4 months, playing daily and getting the same free credits that I get, you would have enough credits and be at level 86 or even higher.
Good luck, have fun, and enjoy learning this game.