How to Get Over an 800 Credit Score

You can get over an 800 credit score by following these simple steps.

1. Check your credit report for errors.
2. Pay your bills on time.
3. Use a credit monitoring service.
4. Keep your credit balances low.
5. Use a secure credit card.
6. Get help from a credit counseling service.

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Your credit score is one of the most important factors in your financial life. A good credit score can save you thousands of dollars in interest and help you get approved for the best credit cards and loans. A bad credit score can make it difficult to get a mortgage or a car loan.

If you’re looking to improve your credit score, there are a few things you can do. First, check your credit report for errors and dispute any inaccuracies. Second, make all of your payments on time, and third, keep your balances low.

There are a few other things you can do to improve your credit score, but these are the three most important. If you follow these tips, you should see a significant increase in your credit score over time.

What is a good credit score?

A good credit score is a three-digit number, typically between 300 and 850, that is used by lenders to determine the riskiness of a borrower. A higher credit score signaling less risk to lenders often means a lower interest rate on loans and more favorable terms.

Credit scores are calculated using information in your credit report, which is a history of your borrowing and repayment activity. The most well-known credit scoring model is the FICO® Score, which ranges from 300 to 850.

You can get your credit score for free from a number of sources, including some financial institutions and credit card issuers. In addition, many personal finance websites offer free access to your credit score as well as your credit report card, which provides an overview of your credit health.

The components of a credit score

There are five major components that make up a credit score: payment history (35%), credit utilization (30%), length of credit history (15%), mix of credit types (10%), and new credit (10%).

Payment history includes both on-time and late payments. Credit utilization is the amount of available credit you’re using divided by the total amount of your credit limits. Length of credit history is how long you’ve been using credit. Mix of credit types looks at the different types of credit you have, such as revolving debt (credit cards) and installment debt (mortgages, student loans). New credit is any new account activity, including hard inquiries from lenders when you apply for new lines of credit.

How to get over an 800 credit score

If you want to get over an 800 credit score, you’ll need to do more than just make your monthly payments on time. An 800 credit score is excellent, but if you’re not careful, it’s easy to lose your good credit standing and end up with a lower score. Here are a few things you can do to make sure you keep your 800 credit score:

1. Check your credit report regularly. Check for errors and dispute any inaccuracies.

2. Use a credit monitoring service. This will help you keep track of your credit score and report any changes immediately.

3. Make all of your payments on time, every time. This includes utility bills, car payments, mortgage or rent payments, and any other type of bill you have.

4. Keep your balances low. If you have credit cards, try to keep the balances below 30% of the available credit limit.

5. Use a mix of different types of credit accounts. Having a mix of installment loans (like a car loan or mortgage) and revolving debt (like a credit card) is good for your credit score.

Following these tips will help you keep your excellent 800 credit score!


There is no easy answer when it comes to increasing your credit score. However, by following the tips listed above and by monitoring your credit report regularly, you can make significant progress in improving your score. Once you reach the 800 mark, be sure to keep up the good work in order to maintain your excellent credit rating.

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