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should have higher credit score?
i am 38 yrs old, have a very good income, never missed a payment, have a great income to debt ratio, but my credit score is only 760, why isn't it much higher and how do i get it to go up to at least over 800?

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760 is a great score for most people!

Scores over 800 are hard to get with out a long credit history.(over 20 years)  but it can be done.  It takes vigilance and exerted effort to manipulate the system to get the numbers in your favor. 

Debt to income ratio <5%,   

Available credit equal to 1 years income, Not including mortgages. 

Utilization less than 15% but never showing a zero balance on all your cards.  (always pay off 90% to 95% of balances every month)

and of course Never miss a payment.

Of course, you don't need to maintain that score all the time,  I would take these steps prior to opening new credit or a mortgage..  Which means that you can use this system for about 6 months prior to trying for new credit in order to get the best rates. Then you can go back to your normal way of doing business.  Your score doesn't matter much when you aren't appling for new credit since rates are set at the time the credit line is issued.

Good luck

Top Contributor
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I'm willing to bet that with your current score, you are already getting great offers for zero percent interest, or other low interest options.  Once your score is in the 750's, getting a higher score is very difficult, it's like trying to push water up a hill.  Don't sweat the numbers.  An 800 score isn't going to make much difference in the offers you are getting now, so don't kill yourself trying to reach a goal that doesn't really benefit you.  Most folks that have 800+ scores have that because they have lots of different types of credit, i.e. mortgage, auto loan, revolving accounts, charge cards, credit cards, personal line of credit, etc, but still have below 30% utilization, which is no easy task.

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