HOW TO GET AN 800 CREDIT SCORE || PERFECT CREDIT SECRETS || REMOVE NEGATIVE ITEMS FROM CREDIT REPORT



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HOW TO GET AN 800 CREDIT SCORE || PERFECT CREDIT SECRETS || REMOVE NEGATIVE ITEMS FROM CREDIT REPORT

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we’re talking about how to get an 800 credit score this is the highest fico achievers okay the highest fico achievers these individuals have no late payments no derogatories no negatives no collections no charges no repossessions no evictions none of that stuff so if you’ve got any of that stuff you want to go ahead and get you that beyond committed package at 609creditrepair.com where we can do the work for you at theawesomelifeboot.com all right so everything is on time no negatives that’s your payment history 35 is your payment history now once you’ve got that all squared away you can take a look at your credit utilization or the amount of debt 30 percent 30 of your score is made up of the amount of debt so you’ve got 35 payment history 30 amount of debt those the big deals the big chunks right there so the highest fico achievers use less than seven percent of the utilization less than seven percent of the utilization and they’re typically using three revolving accounts every month and paying those off every month okay i even have said hey i used two i had three and then i started using two and then i paid off the two and i just was doing that my credit score came down went back to using three paid off three every month and scored one right right right back up much better okay so keep the utilization under seven percent is the highest fico achiever so you’re saying okay under 30 then under 10 then under 7 okay the length of credit history now of course i’m trying to get mine uh even better you know over the years but that’s 15 is length of credit history okay so that’s your next big chunk i didn’t have a ton of credit history when i was rebuilding my credit when i was getting the negative items off years ago and i still wound up in the 800 score because i had that all on time payment history my credit utilization was very low and i had some positive history but it wasn’t like long crazy history now as your history gets older your score can go up and you can get into this 800s because the average age of the accounts for the highest fico achievers is nine years or more and one of the accounts at least one of the accounts the oldest account that oldest account has been open for 25 years was opened excuse me was opened 25 years ago it could be closed now could be 25 years old but it could be close now this is showing good on-time payments for a long period of time and again this is 15 so if you’ve got your payment history all squared away you got the amount of debt all squared away the length of credit history is small now speaking of something that is also smaller is the amount of new credit highest fico achievers they have not applied for credit in the last year and typically don’t have a hard inquiry they haven’t opened up their um highest achievers have not opened up their newest account two and a half years so about two and a half years ago and they really haven’t applied for credit in the last year about seventy percent now could you apply for credit in last year and still have an 800 credit score yes uh it’s just not very often that you’re applying for credit if you have that high 800 credit score you might wait a couple of years now i’m not saying that’s what you need to do i utilized my credit when i was getting business credit when i was getting travel miles cards my credit score came down into the 700s but then went back up in the 800s once i started to look at this stuff again okay 10 is your credit mix so your credit mix is important you don’t want to just have all credit cards right you’re going to want some loans some installment loans and installment loans look the highest fico achievers have had or have five insomnia so they could have paid off cards clothes uh cars excuse me cars stupid like uh loans uh loans paid off cars um mortgage you know you could have a self dot inc right a secured loan that was paid off so there’s four or five right there now revolving accounts okay revolving accounts highest fico achievers have 12 revolving accouns.

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