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how do you get your credit score above 800?

E

eddiebravo

Senior member
i just checked my FICO and its 781. i just turned 24, so i am aware this is high for my age, but i am a complete stats whore so i feel the need to crack 800. is this possible for someone in their mid-20s? what really differentiates between someone with a score like mine and someone with an 810? whats really funny is that my brothers score is 660something and he is 4 years older than me...telling him i would co-sign for his car if he bought me a new tv didnt go over too well with his dumb wife.
 
yea thats what i was thinking. i have basically as much credit history as my age will allow, so i guess im just screwed until i get older.
 
Originally posted by: eddiebravo
yea thats what i was thinking. i have basically as much credit history as my age will allow, so i guess im just screwed until i get older.
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Yup. I'm in a similar boat. 23 and a score of about 775. Done everything right up to now, paying off loans, bills, rent etc. but it won't budge up. Damn!
 
Originally posted by: eddiebravo
yea thats what i was thinking. i have basically as much credit history as my age will allow, so i guess im just screwed until i get older.
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nope

one couldve co-shared a good credit account with parents with good credit history for mega boost
my parents added years of average credit to my personal profile...
 
Originally posted by: marketsons1985
Originally posted by: eddiebravo
yea thats what i was thinking. i have basically as much credit history as my age will allow, so i guess im just screwed until i get older.
Click to expand...

Yup. I'm in a similar boat. 23 and a score of about 775. Done everything right up to now, paying off loans, bills, rent etc. but it won't budge up. Damn!
Click to expand...

One thing I heard recently, but didn't realize: never have more than 35% used on any card - *regardless of whether you pay the entire bill off at the end of the month, every month.
 
I was in the high 700s, probably around where you are at age 26.

How did I get there? NEVER HAD A CREDIT CARD and paid my bills on time. That's it. And I got a mortgage easily with a good interest rate.

Now at 32, I have an 810 credit score. One of the things that can help is getting a credit card at a store (source: credit rating agency). I don't understand that one bit.
 
Get your parents to add you as an authorized user. I now have credit history dating back to 1980 even though I was born in 88. Unfortunately they have an AMEX, so the "credit limit" is the highest balance. Right now they are "using" 60% of their revolving credit line. It's bringing my score down. I was over 800 for a while on the Equifax or Experian scores. The AMEX didn't report to the TransUnion thus my score is only 746 because of limited credit history (just over two years).
 
Originally posted by: LS21
Originally posted by: Indolent
I don't understand the obsession.
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its a number
we have human obsession to maximize an objection function... credt score, in this case
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Except that once you get above a certain score, having a higher score doesn't do you any good anymore. IIRC, anything over 750 falls into the same category for most loans.
 
Last time I checked was when I was 21, and it was 748. I think like others said it is because of the length of history. Mine might have been hit just slightly because I had opened a card for less than a year when I last checked.
 
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