7 Thoughts on I have a high credit score but it’s not 800. How do I get it to break 800?
  1. Reply
    July 11, 2011 at 8:06 pm

    Pay your bills on time, Pay at least the minimum payment on time. Even pay extra to lower your interest rate. Don’t take cash advances out. Don’t charge more then you can pay back. Be with good standing with the credit card company so you can ask for a lower interest rate.

  2. Reply
    July 11, 2011 at 8:36 pm

    You should get your credit reports and check to see if there are specific items that are weighing against you. Otherwise, the length of time you have had a credit history does matter. This is why you wouldn’t close your OLD credit cards, but how many times you open new credit cards or have hard pulls on your credit will negatively impact your score. Current payment, no missed payments, properly reported history, type of credit and balances versus total credit available all impact your credit score.

    My recommendation is clean up your credit history, if there is anything to fix and keep up your payments and wait…

  3. Reply
    July 11, 2011 at 9:22 pm

    Do not charge more than 50% of the amount available, do not apply for credit, pay all credit on time, keep the amount of credit grantors to a minimum.

  4. Reply
    Mike C
    July 11, 2011 at 9:54 pm

    To have scores that high really is uneccessary. You are worrying about something for nothing. If your score is 720 or above, Fair Isaac does not consider you a credit risk. Most people dont get a score that high until later in life. There is time factor figured in the FICO score model. Give it time and it sounds like you are well on your way. If you are looking for some good reading on credit scores, you can go to two good sites.
    http://www.myfico.com or http://www.creditscorequick.com

    Good luck.

  5. Reply
    July 11, 2011 at 10:05 pm

    Don’t close old credit card accounts. Closing them closes the history.

  6. Reply
    Beverly S
    July 11, 2011 at 10:18 pm

    3 active trade lines. No more than 30% of credit limit outstanding- never paid late. Any more than 3 accounts open looks like you are credit happy & will lower score. Close paid accounts that are old. (If you haven’t used them in over a year). 800 is “walk on water” credit. Very hard to get.

  7. Reply
    Paula M
    July 11, 2011 at 10:57 pm

    there are many many things….but one really important….how much credit you have total and how much of it you use…..try to stay below 30%….obviously never charge more than you can pay off…

    The big ticket items – vehicle….car…..are those in line w/ your income?….

    Also, the type of credit…..gas card/jewelry store….vs…American Express…..or some bottom feeder Visa’s…

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