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How To Get A Credit Score Of 700 Or 800 (Or More)

Sarah Sharkey5-minute read
December 21, 2021

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A credit score is a three-digit number that can have a big impact on your life. While a good credit score can open many doors, a bad credit score could leave you in a lurch.

Luckily, credit scores aren’t static numbers, and if you can figure out how to get a credit score of 700 or 800, you can enjoy some of the best rates and terms on financial products like mortgages, car loans, credit cards and personal loans.

If you don’t know where to start, we’re here to help. Read on to learn more about the benefits of knowing how to increase your credit score and the best tips for doing so.

Benefits Of A High Credit Score

Credit scores range from 300 to 850. Since it’s the highest credit score, 850 is considered a perfect score. An 850 credit score is difficult to achieve, but not impossible. And while it would feel pretty great to be able to say that you have a perfect credit score, you don’t need to achieve it to reap the benefits of a high credit score. These benefits include:

  • More favorable loan terms
  • Lower interest rates, which can save you money
  • A better chance of qualifying for loans and credit cards

The reason higher scores come with these benefits is because a high credit score shows a lender that you’re good at handling your debt and are a responsible borrower. Lenders are able to offer better terms because you’re seen as less of a risk.

Credit Score Factors

There are three credit bureaus that can report your credit score: Equifax®, ExperianTM and TransUnion®. These bureaus may report a FICO® Score or VantageScore®. While both scoring models use slightly different criteria, the main factors that impact score are the same:

  • Payment history: Lenders want to know whether or not you make on-time payments.

  • Length of credit history: Longer credit histories allow lenders to better understand your creditworthiness.
  • Recent credit inquiries: Multiple credit inquiries can often hurt your credit score.
  • Types of credit: Different account types such as credit cards and installment loans can increase your credit score.
  • Credit utilization: If you max out your credit cards, your credit score will suffer from a high utilization rate. It’s recommended you keep credit utilization under 30%.

Is A Credit Score Of 700 Good Or Bad?

Created by the Fair Isaac Corporation, FICO® Score is the most widely used credit score for lending decisions. According to FICO®, a score of 670 to 739 is a good credit score and slightly above the average U.S. consumer’s score. Meanwhile, 740 to 799 is very good and anything 800 and above is exceptional.

VantageScore® is another commonly used credit score, which, like FICO®, runs on a scale from 300 to 850. Generally, good credit scores range from 700 to 749. If you have a score between 750 and 850, then you fall in the “great” range.

With a credit score of 700, you’re likely to be approved with favorable loan terms. If you have a credit score of 700 or higher, you should feel confident applying for financing.

How To Get Your Credit Score To 800

A credit score in the 800s is a remarkable milestone. Although it will take time, it’s completely possible to achieve. Here’s how to get started:

  • Pay all of your bills on time.
  • Never max out your credit cards.
  • Don’t apply for every credit card you see.

An 800 credit score is a great goal but it’ll likely take many years to reach this elite status as credit scores factor account ages into the score. As your average account age grows, so can your credit score.

How Long Does It Take To Go From A 700 To 800 Credit Score?

The amount of time it takes to go from a 700 to 800 credit score could take as little as a few months to several years. While your financial habits and credit history will play a role in how long it takes, there are some factors that have specific timelines. For example, it takes up to 2 years for a hard inquiry to go off your credit report. As hard inquiries are removed, your score can go up. Your score also goes up the longer you’ve had credit. Each year you have your credit, your credit history gets longer, helping your score improve.

Both of these examples show why it’s important to consider opening new accounts when building your score. When you open a new account, you put a new hard inquiry on your report and you bring down the average age of your credit. You’ll also want to consider the impact closing an account can have on your score, too. Closing an older account can lower the average age of your credit history.

How To Increase Your Credit Score

Now that you know a little bit more about credit scores, you might be motivated to increase yours. Luckily, there are many ways that you can work to improve your score. Don’t be discouraged if you’re unable to increase your credit score overnight. It will take some time, but it will happen with intentional steps.


1. Check Your Credit Report

The first step you should take is to pull your credit report and check for errors. If you find errors, take the time to dispute them. You can do this through a simple digital process. Errors on your credit report could hurt your credit score.

2. Make On-Time Payments

Although it may seem obvious, on-time payments can significantly increase your credit score over time. Make it a habit to pay your bills on time. Try setting up auto pay if you’re prone to forgetting when bills are due!

3. Pay Off Your Debts

If you have any outstanding debt, work to pay that off as soon as possible. Although a creditor may one day give up on your outstanding balance, unpaid debt would greatly hurt your credit score.

4. Lower Your Credit Utilization Rate

A high ratio of debt to credit can negatively affect your credit score. You can either pay off this debt or apply for a credit increase to reduce your utilization rate. Another way to do this is by paying your credit cards off early each month so that your posted balance is lower than your spending for the month.

5. Consolidate Your Debt

If you have trouble keeping track of multiple accounts, consolidating could be a good option. You can consolidate multiple debts into a single installment payment. In this case, you’ll be free of multiple payments to keep track of. Plus, you’ll be working toward a higher credit score.

6. Become An Authorized User

If you have a trusted family member with a good credit score, you have an opportunity to dramatically increase your credit score. You can become an authorized user of their account in order to boost your score.

However, this can be a taxing emotional burden. If you don’t repay your debts, then you could hurt their credit score. Talk through the pros and cons with your family member before trying this method.

7. Leave Old Accounts Open

Even if you rarely use your first credit card, leave it open. Credit scores factor in the length of your accounts and a relatively old account can help to pull up your average account length.

8. Open New Account Types

Credit scores factor in the types of accounts you have open. If you only have one type of account open, that is likely hurting your score. If you only have a mortgage, then consider opening up a credit card account for more account types.

9. Open A Line Of Credit At Your Bank

If you’re a longtime customer at your bank, you may be able to open a line of credit without a high credit score. With this line of credit, you’ll boost your credit-to-debt ratio and positively impact your credit score.

10. Open A Secured Credit Card

If you don’t qualify for unsecured credit cards, then a secured card could be the way to go. Secured credit cards are backed by a cash deposit, so even borrowers with poor credit scores can get one. Through this card, you’ll be able to improve your credit score by proving your creditworthiness with on-time payments.

11. Live Within Your Means

Another obvious tip, but it’s worth repeating. If you cannot afford something, then don’t put it on your credit card.

Try budgeting tactics to allow for more regulated cash flow each month. You can also build an emergency fund to cover unexpected expenses instead of resorting to your credit card.

Best Credit Cards For High Credit Scores

Now that you know how to raise your credit score, learn what popular credit cards you can get with your high score and how you can benefit from using them.

Capital One Venture Card

If you’re an avid traveler, the Capital One Venture can help you to save on your next adventure. A credit card for people with at least a 700 credit score, the Venture card allows clients to use Venture miles for any charge that has to do with travel. That means miles can be used for more than just airfare. They can be used for things like hotel or cruise reservations, train tickets, travel agent fees and more. There’s an annual fee of $95, but users can rack up savings quickly with 2 miles earned for every $1 spent. There’s typically an initial bonus when you sign up, too. 

Blue Cash Preferred Card From American Express

Earn up to 6% cash back on everyday expenses with the Blue Cash Preferred® Card. Right now, the card offers 6% cash back on groceries and streaming services, 3% cash back on transportation expenses and gas and 1% cash back on other purchases. Along with that, the card has an intro APR of 0% for the first 12 months and users can earn a $300 statement credit if they spend $3,000 in purchases in the first 6 months. After the first year, users must pay an annual fee of $95. To get this credit card, you’ll need to have a credit score of about 700 or higher. 

Chase Freedom Unlimited

If you want to get cash back on purchases without having to pay an annual fee, check out the Chase Freedom Unlimited. At this time, the credit card provides 5% cash back on travel purchases, 3% cash back on restaurant spending and drugstore purchases and 1.5% cash back on all other purchases. Along with no annual fee, there is also an introductory 0% APR for the first 15 months. And, if you spend $500 within 3 months of opening the account, you’ll get a $200 bonus. A credit score in the high 600s is recommended for the Chase Freedom Unlimited card.


Knowing how to get a credit score of 700 or 800 and taking the steps to do it can give you access to better credit cards and allow you to borrow money with lower interest rates and better loan terms. It may take some time, but the benefits may be well worth the wait. The first step to increasing your credit score is knowing where you stand. To get started, check your credit score with the Rocket Homes® credit tool.

RocketHQSM has partnered with CardRatings for our coverage of credit card products. RocketHQ and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Sarah Sharkey

Sarah Sharkey is a personal finance writer who enjoys diving into the details to help readers make savvy financial decisions. She’s covered mortgages, money management, insurance, budgeting, and more. She lives in Florida with her husband and dog. When she's not writing, she's outside exploring the coast. You can connect with her on LinkedIn.