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800 Credit Score What is good or bad?
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800 Credit Score What is good or bad?
An 800 score is considered good. You'll be eligible for the very best rates on credit cards and loans.
The article was written by Amrita Jayakumar Writer The Washington Post Amrita Jayakumar was a former special-assignment writer for NerdWallet. She also published a syndicated article on money and millennials, and focused on personal loans as well as consumer credit and debt. In the past, she worked as an editor at The Washington Post. Her work has appeared on newspapers such as the Miami Herald and USAToday. Amrita has a master's degree in journalistic studies from University of Missouri. University ofMissouri.
Updated August 18, 2022
Edited by Kathy Hinson Lead Assigning Editor Personal finances, credit scoring financial management and debt Kathy Hinson leads the Core Personal Finance team at NerdWallet. In the past, she worked for 18 years with The Oregonian in Portland in capacities such as chief of the copy desk and team director of design and editing. Her previous experience includes news and copy editing at several Southern California newspapers, including the Los Angeles Times. She graduated with a bachelor's in journalism and mass communications from Iowa's University of Iowa.
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A credit score of 800 is firmly in the excellent range of scores. Credit score is used by lenders to decide if you qualify for financial products like credit cards or loans as well as to decide the rate of interest.
Only 23.3% of Americans scored 800 and above in 2021, according the FICO, a credit scoring firm. FICO.
Here's how your 800 credit score will affect your financial life.
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You can find the most competitive rate on your credit card as well as loans
With a credit score of 800 You can rest easy -- you will typically qualify for most financial products and get among the very best rates.
This may not be the case for you if you're just beginning to get credit, however, since the lenders want more than a high score. The amount of time you've had credit as well as the amount of debt you have in relation to your earnings is taken into consideration.
Learn more about the subject to be aware of what's important most to keep your access to the best credit products.
Know how your credit is scored
Check your score for free and the variables that affect it, and get suggestions on how to build your score.
Tips to protect your credit score of 800
You've got excellent credit behavior, but the following guidelines will help you maintain your credit score. And they'll be of interest if you like the challenge of , the highest score for non-specialty credit scores.
Set up automatic payments. One late payment could shave as much as 100 points from your score. If you don't have automated payments, consider setting them up to avoid the chance of missing a payment and tanking your score.
Watch . It's more beneficial for your score to make use of less of your credit limits. You can pay multiple times in a single cycle of billing to make sure that utilization is kept to a minimum.
Be aware of any errors on your credit reports to find any mistakes. Credit reports that are inaccurate are quite common, and they could prevent your score from going higher. And, if you find any mistakes, dispute them. discover.
About the writer: Amrita Jayakumar is a former writer for NerdWallet. She was previously employed by The Washington Post and the Miami Herald.
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