Perfect Credit Score

If you want to learn how to get a perfect credit score, you need to know about the different components that are included in your credit report. The easiest way to achieve a perfect score is to make sure that positive information is continuously flowing into your credit report.

The following are some tips to increase your score. Keep in mind that you can only improve your score if you monitor your behavior carefully. The first step in this process is to review your credit report. Check for any mistakes or inaccuracies, and contact the creditor or credit bureau. If you are able to fix the errors, you can raise your score.

I share everything I know about perfecting your credit score here

How to get a perfect 800 credit score

It isn't as fabled as it may seem. The 800+ credit score is very attainable. Below I lay out the formula for you to follow in order to unlock this life achievement. 

FICO Score rankings

  1. Very poor: 300 to 579.
  2. Fair: 580 to 669.
  3. Good: 670 to 739.
  4. Very good: 740 to 799.
  5. Excellent: 800 to 850.

How is Credit Score Calculated?

  1. 35% Payment History
  2. 30% Amount Owed
  3. 15% Length of Credit History
  4. 10% New Credit
  5. 10% Credit Mix

Payment History

This refers to your ability to pay off debts. Simple as that. They take a look at every month for the last 7 years. This is the most important one to clean up. Make sure you pay all credit debts on time. 

Amount Owed

If you use 50% of your total credit available this will reflect poorly on your credit score. This means that if you have the ability to pay off the debts that you incur on a monthly basis. That gives the credit Gods confidence in you to give you a higher score. 

Length of Credit History

This is two parts. How long ago you set up the credit line and how often you use that line of credit. 

New Credit

Opening a lot of new credit lines in a short amount of time makes the credit score hurt for a while. Be sure to be strategic on how often you open new lines of credit. 

Credit Mix

Having different types of credit looks good on your report. It shows that you can make a mortgage payment, a car payment and a credit card payment. So the more types of credit lines you have the better it reflects on your score. 

is 750 a good credit score?

Yes, take a look at the above formula and figure out what you can do to get 760 as that will unlock the best interest rates you can get. Stay focused and you can have it up there in a matter of months. 


A perfect credit score is an excellent goal to have. There are several ways to improve your score, including making credit card payments on time and maintaining a low-credit credit utilization ratio. These are all crucial steps in achieving perfect credit. The following tips can help you reach your credit score goal. Remember that your credit score will fluctuate as life changes, so focus on the financial well-being of your overall situation, not just your credit score.

As for the types of credit accounts you should have, people with perfect credit often have a wide variety of these accounts. Each type of credit account is different and speaks volumes about your spending habits. A student loan or car loan is a good example of this, as these accounts to verify that you can handle a large debt over time. A revolving account is another way to show that you manage your monthly budget well.


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