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Question By
haleygebhardt

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6 People Helped
How to raise your credit score when it is already good?
My credit score is at 746, but I want to try to get it over 800. I have a perfect on time payment history, I have one credit card, which I pay off in full monthly. I have no loans of any kind. One thing that hurts me is that I'm only 21, so I do not have a long credit history. What are some other things I could do to raise my score?

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Top Contributor
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Helpful to 2 out of 2 people

More accounts, more diversity in types of accounts, optimize your reported utilization (keep it under 10%).  Other than that it just takes time.

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