How can I get an 800 credit score?

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    Team StellarFi

    An 800 credit score is where the excellent or exceptional FICO® credit score range begins. With a score that falls in this range, you are more likely to get the best deals from most lenders. An 800 score doesn’t always guarantee approval for any credit accounts or products because lenders look at other items such as income and employment, but rejection is less likely. According to Experian® data, only 23% of the population in 2022 have a score in this range.

    Getting a score of 800 does not have any special or specific strategies. Simply follow good credit behavior like:
    Paying your bills on time
    Keeping your credit utilization low (lower credit card balances)
    Avoiding opening multiple accounts in a short period (The older your latest account, the better)
    Having a diverse credit mix (mortgage loans, credit cards, credit builder loans, etc.)
    Tracking your credit reports and correcting any errors in them, etc.

    Some of these strategies may have an immediate impact and others may have a more long-term, cumulative effect. Starting to build these habits as soon as possible and maintaining them will help improve and maintain your score at 800 or above.

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StellarFinance, Inc. and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

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