How to Get an 800+ Credit Score?

How to Get an 800+ Credit Score?

To get your credit score up to at least 800, you need to look at your credit report in a strategic manner. All of the information contained in your report contributes directly to how your credit score is calculated.
So if you know the best things to have on your credit report and regularly work towards establishing those practices, your credit score will automatically increase to reflect those positive items. Let’s take a look at each tactic, one by one.
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Be Consistent with Your Payments

Paying your bills on time is probably the single most important thing you can do for your credit score. And this doesn’t just apply to your loans and credit card payments!
Many different types of businesses can report delinquent payments to the credit bureaus, including cell phone carriers and utility companies.
Technically, any late payment over 30 days has the potential to show up on your credit report and lower your score. Plus, the longer you wait to make the payment, the bigger effect it has on your credit score.
That’s because late payments are categorized by how past due they are: 30 days, 60 days, or 90 days. Each one causes an increasing drop in your credit score.
A one-time late payment of 30 or 60 days won’t hurt your score too much and will stop affecting your score altogether after two years. However, that all changes when you have frequent late payments because the scoring model is made to predict how likely you are to go to a 90-day delinquency.
Once you get to that point, your credit score will be damaged for up to seven years. And if your payment is sent to a collection agency, you’ll really notice a sharp decline in your credit score.
So if you want to make it into the 800 Club, pay attention to your monthly due dates and make sure you pay everything on time

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