How to get your credit score above 800

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In the US, the higher your credit score, the better chances you have of getting a loan or a new credit card.

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The most popular scoring model ranges from 300 to 850, with anything above 800 considered exceptional.

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Crossing the 800 mark may seem tough but it's possible. All you need to do is ensure you're regularly improving.

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Once you reach the 800 threshold, you're likely to be approved for a loan and qualify for the lowest interest rate.

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1. The best way is to pay your bills on time every month, even if it is the minimum payment amount. It's a start.

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2. The total credit and loans you have compared to your total credit limit is the second most important aspect.

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3. Have a longer credit history to boost your score as it gives lenders a better look at your background with repayments.

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4. Have a diverse mix of accounts, while limiting the number of new accounts you open, to help improve your score.

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5. Review your credit report and report any discrepencies so credit bureaus can correct and boost your score.

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