How Do I Get My Credit Score Over 800?

What percentage of the population has a credit score over 800?

As of April 2017, 20.7 percent of Americans have a FICO score above 800, according to data from FICO.

This makes a record high percentage of people with credit scores over 800 and correlates directly to lower delinquency rates, meaning fewer people are falling behind on their credit and loan payments.

How do I get my credit score to 800?

Here are eight steps you can take to get an 800 credit score:

  • Know the Facts. Once you’re able to answer the question, “What is a perfect credit score?”
  • Establish a Long Credit History.
  • Pay Your Bills on Time.
  • Redefine Credit Card Usage.
  • Diversify Your Accounts.
  • Cut Spending.
  • Limit Your Liability.
  • Restrict Hard Inquiries.

Is a credit score above 800 good?

You’ve achieved excellent credit of 800-plus. Congratulations for winning the credit game. Within the credit score range of 300-850, just 20 percent of consumers had scores above 800 as of April 2017, according to research from FICO, the company that created the most widely used credit score.

Can you have a 900 credit score?

A credit score of 900 is either not possible or not very relevant. The number you should really focus on is 800. On the standard 300-850 range used by FICO and VantageScore, a credit score of 800+ is considered “perfect.” That’s because higher scores won’t really save you any money.