5 Things to Get Perfect Credit
So you want better credit? It is possible to get perfect credit, or a score that is above 800. Here are 5 things you can do to get a perfect credit score.
:: Don’t have too many credit cards. It is possible to have too few, and it is also possible to have too many. Not enough of credit cards means not enough credit, and too many 
means that you can get into too much debt. Two to three is probably just about right.
:: No late payments on anything for the last seven years. Creditors understandably do not like late payments, and they stay on your credit report for a long time. Pay your bills on time, even if you are just making the minimum payment, alway try to make more than the minimum payment for your own good.
:: Don’t apply for too much credit. A couple of inquiries a year is acceptable, but too many applications for credit in a short period of time can put a dent in your credit score. Shoot for no inquiries so you can use them when you need it.
:: Make sure that your outstanding balances on all of your revolving credit accounts do not exceed 28-33% of your available credit. It’s nice to have a lot of credit, but it doesn’t look good if you actually use it all. Keep your balances low. It demonstrates that you are capable of paying your bills.
:: Have a long credit history of twenty to thirty years. This is the part that just takes time. It is hard to accelerate it. Part of what it takes to achieve a top credit score is the ability to maintain credit over a long period of time. A high score indicates a high level of trust and that can be earned through long experience. You will start to see higher scores around the 7 year mark and from then on it will just continue to get better.
Take advantage of these 5 things to get better credit, and you will be on your way to perfect credit.
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