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How to Increase Credit Score to 800

How to Increase Credit Score to 800

Your credit score is crucial to your financial well-being, from getting approved for loans and credit cards to securing low-interest rates on mortgages and auto loans. A high credit score, like 800 or above, demonstrates responsible financial behavior and can open doors to better economic opportunities. If you want to increase your credit score to 800, this article will provide valuable insights and strategies to achieve your goal. Whether starting from scratch or looking to improve a good credit score, read on to learn how to boost your credit score to 800 and beyond.

1. Understand what Goes into your Credit Score.

Understanding what goes into your credit score is important if you want to maintain and improve good credit over time. Your credit score is a numerical representation of your creditworthiness, and lenders use it to determine whether or not to approve you for credit and at what interest rate. Some of the factors that go into your credit score include your payment history, the amount of debt you have, the length of your credit history, the types of credit you have, and any new credit inquiries.

2. Check your credit report regularly.

Your credit report records your credit history, including all your accounts and payment history. Checking your credit report regularly is important because it allows you to catch errors or fraudulent activity early on. Every year, you are entitled to a free credit report from each of the three credit bureaus (Equifax, Experian, and TransUnion). Review your credit report for accuracy and dispute any errors you find.

3. Pay your bills on time.

Payment history is the biggest factor that affects your credit score, accounting for 35% of your score. Paying your bills on time is crucial to maintaining a good credit score. Late payments can stay on your credit report for up to seven years and significantly lower your score. Set up automatic payments or reminders to ensure you get all the payments.

4. Keep your credit utilization low.

Credit utilization is the amount of credit you use compared to your total available credit. It’s calculated by dividing your credit card balance by your credit limit. A high credit utilization ratio can negatively impact your credit score. Aim to keep your credit utilization below 30% and pay off your balances in full each month.

5. Don’t close old credit accounts.

The length of your credit history is another important factor that affects your credit score. The longer your credit history, the better your score. Closing old credit accounts can shorten your credit history and lower your score. Even if you’re not using an aged credit account, it’s better to keep it open and use it occasionally to keep it active.

6. Diversify your credit mix.

Having a mix of different types of credit can also help your credit score. This includes loans, credit cards, and other kinds of credit like a mortgage or car loan. A diverse credit mix shows that you can handle different types of credit responsibly. However, don’t apply for too many new kinds of credit at once, as this can lower your score.

7. Be cautious of new credit inquiries.

A hard inquiry is added to your credit report when you apply for new credit. Too many hard inquiries in a short period can lower your score. Apply for credit only when needed and spread out your applications over time.


Increasing your credit score to 800 is achievable with the right strategies and discipline. You can gradually improve your creditworthiness by reducing your credit utilization, making timely payments, and maintaining a diverse credit portfolio. It is also important to regularly monitor your credit report for any errors or discrepancies. Following these steps will lead you to a higher credit score, opening up opportunities for favorable loan terms, better insurance rates, and even an increased credit limit with Uber Credit.