Here’s how you get an 800+ credit score [Issue #5]:

The majority of Americans have a below-average credit score and credit score repair can cost thousands of dollars, if you want a higher credit score, read this:

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Here’s how you get an 800+ credit score:

The majority of Americans have a below-average credit score and credit score repair can cost thousands of dollars, if you want a higher credit score, read this:

Why are credit scores important?

Lenders use your credit score to assess your risk level to them. The lower your credit score, the higher of a risk you are to a lender. The higher of a risk you are, the higher your interest rates.

Credit card utilization:

The easiest way to raise your credit score is by lowering credit utilization. You can boost your score by using less than 30% of your total credit line. Asking for higher credit card limits can help with this.

This helps, because when your credit limit is increased, but your average monthly balances stay the same, your overall credit utilization will be decreased, and this helps improve your credit score.

Credit inquiries:

You can build credit by limiting “hard inquiries…