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How to Earn an 800+ Credit Score
Some people go a lifetime striving to hit a hole-in-one in golf or bowl a 300-game.  It might surprise you that some folks are reaching for an 850 credit score.  
 
It can be done -- try some of these suggestions to improve your score:

Know how your FICO score is calculated.  FICO (stands for Fair Isaac Corporation), the Minneapolis-based company that created the credit score model, considers five elements when calculating a score:
    1.  Payment history
    2.  Amount owed
    3.  New credit
    4.  Amount of available credit
    5.  Types of credit used

Check your score on a regular basis to see how you stack up in each of these categories.

Check your credit report.  Everyone is entitled to a free annual credit report from each of the three main credit bureaus.  Request them online from annualcreditreport.com, and report any errors directly to the report provider.

Keep balances low.  Charge less and avoid maxing out your available credit.

Pay on time.  Making timely payments is the Number 1 way to improve a credit score.  Payment history accounts for 35% of the FICO score.

You may not be aiming for an 850 score, but following these guidelines can certainly give your current score a nice boost!

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