How to get an 800 credit score

If you're working on building your credit, you've probably come across the famed 800 credit score—the beginning of the 'exceptional' range that only 22% of Americans belong to. It's a benchmark that tells lenders you're a low-risk borrower and can open the door to stronger financial opportunities. 

While it might seem out of reach, the truth is that with consistent habits and a clear understanding of what influences your credit, getting to 800 is very achievable.

In this guide, we'll explain how to get an 800 credit score and the habits needed to maintain it. 

What does it mean to have an 800 credit score?

An 800 credit score highlights your commitment to being a responsible borrower. That typically means access to better interest rates, more favorable terms, and greater borrowing power.

However, it's important to note that an 800 credit score won't guarantee approval. While some financing options—like personal loans and credit cards—focus heavily on credit, there are generally still other requirements considered, like income.

So, while an 800 credit score will help you stand out, it's important to do your research when it comes time to leverage the stellar score you've built.

How to get an 800 credit score

Start with a credit check

When starting your journey to exceptional credit, you should first understand where you stand. Review your reports from all three major credit bureaus—Equifax, Experian, and TransUnion. Look for errors such as incorrect account details, late payments that were actually on time, or unfamiliar accounts that could indicate fraud. If you spot any inaccuracies, file a dispute with the credit bureau to have them corrected. 

Even if there are no discrepancies, reviewing your credit report will help you determine what's hurting your score and how to prioritize your efforts. You’re entitled to a free report from each bureau once every 12 months at AnnualCreditReport.com.

Pay on time, every time

At the foundation of a strong credit score is a clean payment history. Missing due dates is one of the fastest ways to bring your score down. Even a single 30-day late payment will have a lasting impact. The best habit is simple: pay on time, every time.

Automate your payments if needed, or use an app to set reminders. If you're at risk of missing a payment due to a financial hardship, immediately reach out to your lender. They may be willing to work with you and help you avoid a negative ding on your report. 

Keep credit utilization low

A good rule of thumb is to use no more than 30% of your available credit. However, research suggests that people with credit scores of 800 or higher keep their utilization under 12%. This applies to each individual card and your total revolving credit across all accounts.

Given how important credit utilization is, take the time to review your loan and credit card balances—make a debt repayment plan to lower the balances.  

Maintain a long credit history

The age of your accounts matters—think twice before closing old credit cards, even if you don’t use them often. Keeping older accounts open and in good standing will help increase your average account age, and in turn, support a higher score. If you’re new to credit, be patient. Your history will build over time. 

Diversify your credit mix

Having a mix of credit accounts can slightly boost your score. If you only have credit cards, for example, you may benefit from responsibly managing an installment loan, like a car loan.

That said, never take on debt just to diversify your credit mix. It's more important to manage your existing accounts responsibly. Allow your credit mix to strengthen naturally through life events like buying a car, getting a mortgage, or taking out a loan for school, a business, or anything else you may need. 

Limit hard credit inquiries

Applying for multiple credit accounts in a short period can cause a temporary dip in your score. Instead, explore pre-qualification offers, where you can shop rates, terms, and eligibility without a hard inquiry. 

Outside of those situations, only apply for credit when it’s necessary. And be mindful of store credit cards, where the offers may be tempting, but the high rates and impact on your credit are not usually worth the bother. 

Stay consistent and patient

Credit building is not a sprint, but a marathon. The habits that build a high score take time to show results, but consistency will pay off. Don’t expect a score of 800 overnight—focus on good financial behaviors, and the score will follow.

Frequently asked questions

What makes up a credit score?

Your FICO credit score is made up of five key factors—some impacting your score more than others. Payment history (35%) shows whether you’ve paid past accounts on time—missed payments can hurt, especially recent or major ones. Credit utilization (30%) measures how much of your available credit you’re using—the lower, the better. 

Length of credit history (15%) focuses on how long you’ve had credit and how recently it’s been used. Credit mix (10%) considers the type of credit accounts you have and how you manage them responsibly. Finally, new credit inquiries (10%) follow how often you apply for new credit—too many in a short period can be a red flag. 

How hard is it to get an 800 credit score?

Reaching an 800 credit score is achievable but will require a track record of strong financial habits. For most, it will take years of on-time payments, low credit utilization, and responsible management of various credit accounts. It’s not something that happens quickly, but with patience and consistency, you can get there—even without perfect finances.

What is the average credit score?

The average score is around 717. That’s considered a good credit score, but not quite excellent. An 800+ score is above average and places you in a top-tier category that can come with better credit offers, lower interest rates, and more negotiating power.

Final thoughts

An 800 credit score isn’t reserved for the wealthy or financially perfect—it’s available to anyone willing to manage their borrowing responsibly over time. 

If you're not at 800 yet, don’t worry. Focus on steady progress and stay committed to healthy financial habits. Whether your score is 680, 720, or 790—every improvement counts, and every smart decision brings you one step closer.

‍