By: Rob Adams - Staff Writer
Published: May 21, 2021

Perfect Credit Score - Getting Above 800

Perfect Credit Score - It’s nearly impossible to go directly to something in the range of 800 without having a good history on paying on-time. However, there is a way to have a great score, but it takes time. Most financial consultants suggest a perfect rating of about 800, but even that is hard to do if you don’t have long-term credit.

However, even many people who have never missed a credit payment, or always paid their bills on time, they not reach a perfect score. It’s still a mystery and one of the best kept secrets. In general, the rating doesn’t matter when a person reaches 775 or more.

A rating is a badge of achievement and potentially a subject of conversation. What many people do not realize is that it becomes easier to get credit as the score approaches 800. Even minor errors on the report can end up docking the score by 10 to 20 points or more. It’s also harder to erase and recover from it quickly as the mistakes appeared.

The best way to get a perfect credit score is to pay off credit card balances in full each month, never miss a bill payment, have a good mix of debt-credit, student, auto and mortgage-and pay off large outstanding balances in a relatively short time frame.

Credit bureaus like to see behavior like paying off mortgages in unusually short periods of time. Avoid taking out personal loans; generally, credit bureaus prefer it when people stick to revolving credit accounts and secured debt like mortgages and auto loans. The reasons is simple: It shows that you are able to pay back lenders.


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