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Best Overall Credit Cards - https://track.supermoney.com/SH4X Best Prepaid Credit Cards - https://track.supermoney.com/SH4W Top Credit Monitoring Apps - https://track.supermoney.com/SH4Y How To Get An 800 Credit Score Fast And Free In 2023 #credit #creditcard #creditscore #creditrepair #creditcards #creditcardsforbeginners #wealth "The foundation of a great credit score is paying your bills on time. Late payments can significantly impact your score. Set up reminders, automate payments, or create a budgeting system to ensure you never miss a due date. Consistent, on-time payments build trust with lenders and boost your credit score." FIRST: ON TIME PAYMENT HISTORY - 35% This one is VERY straight forward…DON’T MISS A CREDIT CARD PAYMENT AND DON’T PAY IT OFF LATE. EVER. In order to get a perfect credit score, you’ll need to pretty much NEVER miss a payment, ever - otherwise that could completely ruin everything. "Manage Your Credit Utilization" Credit utilization is the ratio of your credit card balances to your credit limits. To maximize your credit score, aim to keep your utilization below 30%. Paying off your balances in full each month is ideal, but if that's not possible, try to keep them as low as possible. It shows lenders that you're responsible with credit. The credit bureaus want to see that you aren’t maxing out all of your credit cards, and that you’re keeping a relatively LOW balance compared to the overall credit you have available to you. One of the techniques I use to help with this, is just to have a LOT of available credit - all with really high credit limits. "Diversify Your Credit Mix" Having a healthy mix of credit accounts demonstrates your ability to handle different types of credit responsibly. Consider having a mix of credit cards, installment loans, and a mortgage if applicable. However, be mindful of opening new accounts excessively, as it can temporarily lower your score. FOURTH: TOTAL NUMBER OF CREDIT LINES - 10% First, the more credit lines you have - the higher your credit limit - which lowers your overall utilization, and helps your score. Second, by having MORE credit available to you, you’re able to show even MORE on-time payments - which, again, will help increase your score. And third, having a mix of credit types - like an auto loan, a mortgage, and credit cards, shows lenders that you can appropriately handle multiple types of loans without defaulting on them. "Monitor Your Credit Report" Regularly monitoring your credit report helps you stay on top of any errors or fraudulent activity. You're entitled to a free annual credit report from each of the three major credit bureaus. Review it carefully, report any discrepancies, and take necessary steps to resolve issues promptly. Maintain a Long Credit History The length of your credit history also plays a role in your credit score. Keep your oldest credit accounts open, even if you don't use them frequently. A longer credit history demonstrates stability and positively affects your score." 15% This just means - the longer you’ve had credit for, and the sooner you start - the BETTER. This is one of the reasons I recommend people begin building their credit score as early as they possibly can, even if it means going and getting a credit card THE DAY THEY TURN 18…this will help build the foundation of your entire credit history very early on. Now, it is important to remind you that this is calculated as the AVERAGE length of your credit history…not the TOTAL length. So my recommendation is to, first, start building your credit as soon as you possible can - and keep those accounts open and in good standing for as long as possible. "Limit New Credit Applications" "While it's important to have a diverse credit mix, avoid applying for multiple credit accounts within a short period. Each application triggers a hard inquiry on your credit report, which can temporarily lower your score. Apply for credit only when you genuinely need it." And there you have it! By following these steps, you're well on your way to achieving that impressive 800 credit score. Remember, building credit takes time and patience, but the rewards are worth it. Take control of your financial future and watch your credit soar! ... https://www.youtube.com/watch?v=USY9LcudumM