How to get a credit score of 800 & above? Do you need a perfect FICO score?

800 score sign on a chalkboard

Credit scores are extremely important in all parts of our financial lives. A good credit score can ensure not only the possibility to get loans and have a higher credit card limit, but also it enables us to save money. If you have a good standing credit score, there is a high possibility that you pay much less interest than those who struggle with their credit score.

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However, although there are cases where getting an average credit score is extremely difficult and some people have a real struggle to get their credit score up, there is an even higher percentage of those of us who seem to have reached a cap and can’t go further.

The perfect credit score of FICO 850 may seem like an unreachable goal for many people, but with the right tactics and strategies everything in life is possible, even when it comes to credit scores. We have to note that having a credit score of 850 is rather impressive, but not extremely necessary if you want to start saving a lot of money. A FICO score of 800 is often more than enough to see tangible results in your pocket. That’s why this number is often seen as the magic credit score that’ll get you over the top.

What is the FICO score?

In order to get some insights into what it means to have a perfect or at least near perfect FICO score, let’s take a look at what FICO scores are. FICO is a model of calculating and estimating one person’s credit score. It is widely used by banks and is considered one of the most important pieces of financial information about a person.

The FICO score was introduced in 1989 and the exact formulas used for calculating the credit score have remained a secret since then. However, we know the key components of the equation, which can give us a glimpse into what to consider in order to get a better FICO score.

35% of the FICO score is made up of payment history information; debt burden makes 30% of the score; 15% is the length of a person’s credit history; 10% is the types of credits used; and 10% is recent credit.

How to get it higher?

Now that we’ve seen what a FICO credit score is comprised of, it’s time to get a few things straight about what you can do to increase it. It is very important to note that these guidelines and tips are in no way a sure win, and that following them does not ensure success. However, if you ignore these guidelines you should not be surprised if your credit score stays the same or even goes down.

Always make your payments. ALWAYS

This is something that you cannot argue with. If you don’t make payments on a regular basis, then you can’t expect to have a higher credit score. We all know how important payments are, but we all still make some rookie mistakes here and there. Unless we stop making them, there is no chance we can ever reach the 800 credit score mark.

I’m talking, of course, about deadlines. Yes, that’s the one single mistake we all make and it make our credit score stagnate. Even if you’re paying your bills regularly, you simply cannot allow to pay them late. We often assume that the most important part is paying the bill. Yes of course, paying the bills a bit late is better than not paying them at all. But if you want to get your credit score up to 800, keeping track of the deadlines is important as well.

Credit is for credibility, not for luxury

What we mean by this is that a credit, as the name suggests, is closely tied to credibility, a synonym for truthfulness. And this is not just a coincidence. You have to live your life in accordance with what you can afford and what you can spend.

This is a simple rule: never spend more than you can afford. If you keep thinking about credits as something that will inject a few dollars more into your pockets for means of living you cannot afford, rather than thinking of it as a shortcut towards something you could eventually afford, then you’re on the wrong track. Live in accordance to your needs and means, and you’ll be closer to the 800 credit score mark.

It’s a waiting game

No, you cannot get an 800 credit score overnight. Credit scores are built on trust, on trustworthiness (here’s that word again), and these things don’t happen in a matter of months. It takes a long time to get to the goal, maybe even ten years of good credit history, to be able to land an 800 credit score. So be prepared for the long run.

Know everything about yourself

Although this sounds like a yoga mantra, it is much more pragmatic in nature than just an exotic proverb. You have to keep track of everything. This includes making a habit out of organizing all aspects of your financial matters. If you want an 800 credit score, there is no room for losing sight of your financial decisions.

Keep everything clean and organized. Maybe you’ll never have to revisit old reports from ten years ago, but that’s not the point here. Once you make a habit out of keeping track, you’ll be much better prepared for potential benefits that creditors throw your way. Although creditors know much about you finance-wise, it is possible they overlooked something. That’s where your carefulness will come into play.


Remember, reaching an 800 credit score is a much more realistic goal than aiming for the perfect 850. It is there within your reach. We hope you’ll take our advice to heart and start building up your credit score right now. The key is in your hand, only you can open that door, so why not do it? For more guides check out our home page.