How I Built an 800 Credit Score in Under a Year

Want to know the secret to getting an 800 credit score in less than a year? It’s not as hard as you think. I started by learning the credit score formula. Your score is based on a few key things: how much you owe, your payment history, the length of your credit history, and types of credit used. First, I paid off any debt I had and kept my credit utilization below 30%—meaning, I didn’t spend more than a third of my credit limit. Next, I made sure to pay my bills on time, even if it was just the minimum payment. Over time, my score grew because I was building a solid credit history. The biggest trick was to never close old accounts—even if you’re not using them! This helps boost your score because it makes it look like you’ve been handling credit for years. In less than 12 months, my score jumped to 800! It’s a game-changer, and now I get better rates on loans, credit cards, and even rent. The moral of the story? Small, consistent moves lead to big wins in the credit world!