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Extremely positive credit history
- If you have an 800 FICO score, you have an extremely positive credit history. You’ve likely been using credit successfully for many years and probably have a healthy mix of credit accounts that includes both revolving credit (like credit cards) and installment credit (like a mortgage).
finance.yahoo.com/news/800-credit-score-means-why-214741517.htmlThe 800 credit score: What it means, why it helps and how to ...
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Learn more about your credit score. An 800 credit score is Exceptional. Get your free credit report from Experian and check your credit score to better understand why it's so good, and how to keep it that way. Read more about score ranges and what a good credit score is.
- 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.
Aug 23, 2024 · If you have an 800 FICO score, you have an extremely positive credit history. You’ve likely been using credit successfully for many years and probably have a healthy mix of credit...
Jan 29, 2022 · Regardless of credit score, everyone can avoid paying credit card interest by paying their credit card balance in full each month. An 800 credit score can help you qualify for credit cards that offer a 0% promotional rate on purchases and balance transfers.
Aug 23, 2024 · If you have an 800 FICO score, you have an extremely positive credit history. You’ve likely been using credit successfully for many years and probably have a healthy mix of credit accounts that...
Nov 27, 2023 · Your credit score is the agencies' attempt to put a value on how well you've managed your money in the past, and how confident they are that you'll be responsible in the future. It's quite often based on a general set of rules, which provide a good indication rather than any definite fact.
Mar 24, 2020 · Your credit score is a number out of 1000 that's based on your credit report. Your report is a record of your credit history and how you’ve managed your finances in the past. This allows lenders to assess your level of risk when you apply for credit.
