High Credit Scores: 5 Secrets on How to Build and Maintain Them

high credit scores

If you’re looking for reasonable financing, you’ll need to get so many numbers right. Do you know what the biggest one is? Yes, your credit score.

These 3-digit numbers have a major effect on your finances. Because they indicate how often you repay the money you borrow. In other words, they are a clear indicator of your

Before a lender lends you money, they must check it out. It is a prerequisite. And they will decide whether to lend you money or not. These numbers even dictate at what interest rate you will repay the money loaned. They are vital digits to your financial success. Generally, scores range between 300 and 850. If you hit the 800-mark, you have achieved a higher score which is deemed best.

High Credit Scores

There’s a huge percentage of people with highs of 800, and they’ve managed to build and maintain these high numbers to no end. So how do they do it? This post reveals 5 key secrets of people with high scores and what they successfully do that you don’t.

Note: Your payment history determines these calculations. To have a great score, make sure you always make credit repayments on time.

  1. They Are Never Late on Payments

Your credit score suffers because you don’t repay your debts on time. That’s what separates you from the people with high credit scores.

The latter group of people pays everything on time further building on their payment history that makes up the larger part of their [high] scores. So don’t be late on your payments. And your credit report will reflect better numbers.

  1. Their Credit Card Balances are Low

Do you want to sleep better knowing your credit score is awesome? Then keep credit card balances lower than your credit limit. This is how people build and maintain a good score. Go lower than 30% of your credit balances, and you are sure to hit 800, or even more.

It is estimated that a good number of people with high scores use less than ten percent of their credit card limits. This keeps their credit report gleaming.

For instance, if you have a limit of $6,000, maintain a balance of $600 or less. This will automatically attract, build and maintain an excellent score.

Remember: Keeping your credit card balances low requires a lot of discipline as well as consistency. It is however not impossible. If these people can achieve these goals, then so can you.

  1. They Avoid Too Many Credit Checks

Do you make applications that require credit checks from service those matches with various bad credit and other lenders ? However, these actions help sometimes but you are unknowingly lowering your credit scores. Because a hard inquiry is often placed on your credit report each time you make an application requiring a credit check. And this is where you go wrong.

A hard credit inquiry is when a business looks into your credit report just to make sense of your credit standing. So the more you make credit report inquiries, the higher the chance of affecting your credit report standings. People with high scores steer clear of multiple hard credit inquiries by ensuring they do their homework ahead of time so as to apply for credit just once.

This can be the difference between a low score and a higher one. While hard credit inquiries are never large amounts (often 10% of your score), they make a huge difference depending on your credit report.

  1. They Vigorously Monitor Their Credit and Act Quickly to Clear Errors

People with high credit scores know too well it is easier to lose their exceptional ratings, if changes or errors on their credit report occur.

So they employ the use of free and paid resources to keep an eye on their credit information regularly. A good example of resources that helps them act quickly to clear up errors include, but not limited to:

  • WalletHub.com
  • AnnualCreditReport.com
  • myFICO.com
  • CreditSesame.com
  • CreditKarma.com, etc.

Scores are based on information reflecting on your credit report at that particular time. This means your credit scores can be affected in a snap because of an error, dispute or changes that have not been cleared up on time. It is thus important that you constantly monitor your credit report to spot any weird changes. Also, report disputes on time before they affect your scores.

  1. They Let Negative Information Age Off on Their Credit Report

It is a given that a negative credit report mystery will certainly make it hard for you to achieve an 800 score. But all hope is not lost because some of this negative information falls off your credit report after 7 years. This leaves you at a better place to achieve high scores in future – of course, you have to make payments on time during that period.

People with high scores get patient for a few more years while making payments on time, and negative information on their credit report finally dissipates into the ether. It is that simple. They let negative information age off on the credit report, and live life.


Getting a higher score is a cakewalk, but you have to work a little harder on making payments on time. Well, the good news is, lenders consider 760+ as a cutoff for excellent credit. So, if you can achieve 700 or more you are likely to enjoy benefits limited to people with 800 credit scores.


If you want to join the 800+ club you must be willing to do the hard work yourself. And this is probably what many don’t want to do yet with excellent credit scores comes great savings, rewards, and perks. Follow these 5 secrets and you’ll be well on your way to achieving financial freedom.

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