Lauren Smith, WalletHub Staff Writer
@laurenellesmith
It takes years to achieve an 800 credit score. The exact timing depends on your current financial profile, but people with an 800+ credit score typically have a long credit history, with the average age of their accounts totaling over 10.5 years. If your credit score is poor, it may take longer for you to attain perfect credit versus a borrower who already has a good score because you will need a larger increase.
An 800 credit score is in the highest tier of creditworthiness (800 to 850 points). It is considered perfect because a score higher than 800 is unlikely to save you more money. Below, you can see the basic recipe for an 800+ score. You can also check your credit score and get personalized credit-improvement tips for free here at WalletHub.
800+ Credit Score Profile
- Have multiple credit accounts reporting positive information to the credit bureaus monthly.
- Do not make late payments.
- Maintain a utilization ratio of 1-10%.
- Apply for credit sparingly.
- Have a diverse credit mix.
To learn more about achieving an 800 credit score, you can check out WalletHub’s guide to perfect credit.
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