Here's the PROVEN method of how to increase your credit score FAST, even up to a perfect 800+ score. Follow these 5 easy steps to make it happen for FREE. Click “Show More” to see Ad Disclosure.

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00:00 – Intro
00:57 – Step 1
3:48 – Step 2
7:13 – Step 3
11:06 – Step 4
12:50 – Step 5

📄👉LendingTree Study - What It Takes to Earn an 800 Credit Score
https://www.lendingtree.com/debt-cons...

Building a strong credit score is about smart habits and consistent action. For this video, we'll ditch the drama and dive into the 5 essential steps you need to take to unlock your financial potential.

Step 1: Payment History is King (35% of Your Score)

On-time payments are the single most important factor in your credit score. Aim for 100% on-time payments for all your bills, credit cards, and loans.

Consider setting up automatic payments to avoid late fees and missed payments.

Track your due dates with apps, calendars, or reminders.

Step 2: Credit Utilization - Keep it Low and Steady (30% of Your Score)

Aim to use less than 30% of your available credit limit by the end of your billing cycle for good credit scores. Aim to use less than 10% of your available credit limit by the end of your billing cycle to reach top scores.

Paying down your balances as needed will help keep your utilization low.

Consider requesting a credit limit increase if you stay in control (i.e. you don’t spend more than you need to).

Step 3: The Length of Credit History is Crucial (15% of Your Score)

As long as it makes sense, strive to keep your credit cards open long term. Maintaining a good payment history over many years will boost your score in a big way.

The longer your track record, the higher your score can go. This requires some patience and there’s no quick fix here (other than becoming an authorized user on someone else’s account who has a strong credit history).

Step 4: Mix of Accounts (10% of Your Score)

Having a mix of credit accounts, such as credit cards and installment loans, can slightly boost your score.

However, focus on managing existing accounts responsibly before opening new ones. Only get what you want and need.

Step 5: New Accounts (10% of Your Score)

Don’t open new accounts too often. Each hard inquiry can temporarily lower your score, and new accounts can also decrease your overall average length of credit history.

Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.

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