Finances (US)

How to get an 800 credit score?

If you need to increase your score, check out our post to know how to get an 800 credit score! You'll also learn a lot about how credit scores work!

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by Victória Lourenço

Published on 07/24/2022

Find out how to get an 800 credit score and see our tips to keep your credit score on track!

 Learn all about how to get an 800 credit score! Source: Adobe Stock.
Learn all about how to get an 800 credit score! Source: Adobe Stock.

Everyone wants to have a high credit score. But sometimes, that’s not possible. So, you’ll need to make a plan to get a high score. So, in this post, we’ll show you how to get an 800 credit score!

If you have a plan to build your credit score to get more opportunities, you can do it. Also, a good credit score can give you many benefits.

With a credit score of 800 points or higher, you can get lower interest rates on loans. Also, you can even get approved for a loan when others can’t.

Moreover, believe it or not, there are some simple things you can do to improve your credit score. And you can do many things just from the comfort of your own home!

So, if you wonder how to get an 800 credit score, don’t think it is an impossible task. Keep reading our post to learn more about credit scores and how to improve them!

hands of a car driver on steering wheel

Paying car insurance help increase your score?

If you have always wondered if paying car insurance can help build your credit score, we can help you figure it out! So, keep reading our post to find out!

If you’re struggling with a low credit score, don’t worry because you’re not alone! A lot of people have difficulty building up their credit. But there are things you can do to improve your score.

We understand if you dream of having a perfect score. A high credit score means you’re seen as a responsible borrower. And this can result in lower interest rates on loans and other products, such as cards.

So, if your credit score is lower than 800 and you want to increase it, keep reading our post!

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How long would it take to get an 800 credit score?

It could take a while to reach an 800 credit score. Source: Adobe Stock.
It could take a while to reach an 800 credit score. Source: Adobe Stock.

To know how long it would take to get an 800 credit score, you need to know exactly where you’re starting. So, it depends on how many points you have in your score at the moment.

Also, if you want to build your credit score from scratch, it may take longer. If you already have a higher credit score, you can get to 800 points a lot faster.

Sometimes time isn’t on your side when you’re trying to establish credit. FICO ratings are heavily influenced by a borrower’s long-term track record of responsible behavior.

A lot of times, FICO scores consider things such as your payment history, how much you owe, new credit, and other aspects of your finances.

If you can show that you pay your payments on time and don’t carry large balances on your credit cards, lenders will consider you a less risky borrower.

Credit scores take time to build from zero, as responsible actions receive more weight over time. You can keep reading this post to know more and learn more tips on how to build your credit score!

How common is a credit score of 800?

A credit score of 800 is more common than you may think. Also, this credit card average depends on where you live and the people’s financial situation at the time.

Moreover, you don’t have to be a billionaire to have a credit score of 800 points. You can be a regular person that has the financial means to pay everything on time and not ask for loans.

In addition, if you are organized enough and trace a plan, you can reach an 800 credit score and keep it for a very long time!

And some people may not even know that they are doing things to jeopardize their scores. If you have more debt than the amount of credit you have available, you’ll probably lower your score.

How long does it take to go from a low score to an 800 credit score?

If you have a very low or no existing credit score, you’ll probably take a bit longer to reach 800 points.

There are several methods to start developing your credit, including using and utilizing a credit card and making on-time loan payments.

It takes six months of credit activity to earn a FICO score, which is used in 90% of loan decisions.

A FICO credit score over 700 is considered outstanding. A grade of at least 800 is considered “good.” However, a credit score that goes over 800 points is considered excellent.

If you have a very low score, you can’t expect to reach high numbers in months. You’ll need to wait a bit longer to reach the 800 points you dream of.

It takes a long time to build excellent credit because the credit bureaus consider many aspects to analyze your finances. The lenders need to know about your financial behavior over time.

FICO scores usually consider your payment history, how much you owe, and other aspects, as we mentioned.

What credit score does an 18-year-old start with?

If you are young and want to know more about finances and how to build your score, we can help you. If you’re 18, you’ll probably have no credit score.

However, this is not such a bad thing because it doesn’t mean that you have a poor score. It only means you’ve never been present in the financial world.

You’ll probably have no score because, as we mentioned, the credit bureaus need to know how you deal with credit over time.

So, if you’ve never dealt with credit, they can’t analyze your finances to give you a credit score.

How to get an 800 credit score?

You need to follow some steps to increase your score! Source: Adobe Stock.
You need to follow some steps to increase your score! Source: Adobe Stock.

Now you know more about how credit scores work and what the credit bureaus need to know to analyze you. So, we can talk about the tips for you to know how to get an 800 credit score.

To get an 800 credit score, you need to use credit and have an active and healthy financial life. Your credit card balance needs to be low, for example.

Set alarms to remind you to pay your credit card bills always on time. This way, the credit card companies will send your reports with a clean record and no late payments.

You also need to pay all your other bills on time. Plus, you always need to check your credit score to see if there are any errors you may need to dispute.

Besides these tips, you can sign up for a credit score monitoring platform. So, check out our post below to learn more about these tools and see which one is best between Credit Sesame and Experian!

credit score meter pointing to good score

Credit Sesame or Experian BOOST™ credit monitoring

If you need to improve your credit score, read on to know which one is best: Credit Sesame Credit Score & Monitoring or Experian BOOST™ Credit Score and Monitoring!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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