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A FICO ® Score of 800 is well above the average credit score of 714. It's nearly as good as credit scores can get, but you still may be able to improve it a bit. More importantly, your score is on the low end of the Exceptional range and fairly close to the Very Good credit score range (740-799).
Dec 19, 2023 · An 800 credit score is firmly in the excellent range of scores. Lenders use your credit score to decide if you qualify for financial products like credit cards and loans and to set your...
When it comes to finances, numbers are key – whether it's what you earn, your credit card balance or the interest rate on your mortgage, small changes can add up to a big difference. Yet there's one number you shouldn't pay too much attention to – your credit score.
- Pay Your Bills on Time, Every Time. Perhaps the best way to show lenders you're a responsible borrower is to pay your bills on time. Payment history is the most crucial factor with the FICO credit scoring models, accounting for 35% of your FICO Score, so it's essential you pay your bills on time.
- Keep Your Credit Card Balances Low. Credit utilization is the second most influential credit score factor. Your credit utilization ratio―also known as your balance-to-limit ratio—reveals the amount of credit you use compared with your total credit limits.
- Be Mindful of Your Credit History. How long you've managed your credit comprises 15% of your credit score. Typically, the longer your credit history, the higher your credit scores.
- Improve Your Credit Mix. You might benefit from an additional credit account, especially if it's a type of credit you don't already have. For example, if you only have installment loans, like a car loan or a personal loan, adding a new credit card can help diversify your credit mix, which determines 10% of your credit score.
If you have a good credit score, your chances of being approved for loans and credit cards increases. You’re also more likely to be offered a more competitive interest rate, as well as a more generous credit limit.
Nov 27, 2023 · A high credit score suggests that you've handled money and credit responsibly in the past – and are likely to continue to do so in the future. While you can see your credit score as a number when you check your credit history, you don't actually have one single score.
Aug 23, 2024 · Benefits of an 800 credit score include better credit offers, lower interest rates and higher credit limits. To maintain an 800 credit score, it's important to keep credit...
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