Credit Score of 800: Credit Habits Of Those With An Excellent Credit Score


credit score of 800

Ever wonder what it would take to have a credit score of 800 or more?

People with a credit score of 800 or more – people we call FICO high achievers – have excellent credit habits that we can all learn from. In this post we’ll share 18 of these high achieving credit habits that will get you on the path to credit repair. Below, we’ve broken these habits down by the categories that make up your FICO score.

Payment History

Payment history accounts for 35% of your FICO score and is comprised of the following:

  • Number of late payments, how late, how much was owed
  • Frequency and recency of lates
  • Number of accounts where you are ‘paid as agreed’
  • Number of accounts which have past-due and the amount past-due
  • Public records or collections

People with a credit score of 800 or more demonstrate the following payment history habits:

  • About 96% have no missed payments at all. But of those who do, the missed payment happened nearly 4 years ago, on average
  • Virtually none have a 60 days late payment or worse listed on their credit report
  • Have an average of 6 open accounts currently being paid as agreed
  • Virtually none have any amounts past due
  • None have a public record or collection

Amounts Owed

Amounts owed accounts for 30% of your FICO score and is made up of the following components:

  • Your aggregate debt
  • Amounts owed on all credit cards and all installment
  • Number of accounts with balances
  • Proportion of credit lines being used (keep balance / credit limit low)
  • How much of installment loans are still owed vs. original loan amounts
  • Whether there is a balance on credit card accounts

FICO high achievers with a credit score of 800 or more have the following credit habits on amounts owed:

  • Revolving – the average ratio of balances / credit limit is less than 6%
  • They owe less than $3500 on their revolving accounts
  • Have an average of 3 credit accounts (of all types) carrying a balance
  • Installment – have paid down on average 35% of the original amount of the loan, in addition the average they usually owe less than $1200 on their non-mortgage accounts

Length of Credit History

The length of your credit history accounts for 15% of your FICO score and is made up of the following elements:

  • How long accounts have been established; oldest account, average age of accounts, average age of open accounts
  • How long specific types of accounts have been open
  • Time since account activity (revolving)

People with an 800 credit score have a lengthy credit history:

  • Opened their oldest account 25 years ago
  • Have an average age of accounts of 11 years or more
  • Have recent credit card activity

Mix Of Credit In Use

Types of credit typically accounts for 10% of your FICO score and looks at what types of accounts you have, as well as how many of each type you have.

FICO high achievers with a credit score of 800 or more typically have:

  • Average of 4 to 5 credit cards (open and closed)
  • Have an open mortgage account
  • No finance companies
  • Have had an auto loan

New Credit

The final 10% of your FICO score looks at new credit.

  • Number of recently opened accounts
  • Time since recent account openings
  • Number and recency of hard inquiries

People with a credit score of 800 or more typically have these new credit behaviors:

  • 72% did not apply for credit in the past year. Of those that did, about 20% applied for credit just once
  • Opened their most recent account 27 months ago, on average

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