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Will Payday Loan Online No Credit Check Instant Approval Ever Die?

Will Payday Loan Online No Credit Check Instant Approval Ever Die?

800 Credit Score What is good or bad?

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800 Credit Score Is it good or bad?

A score of 800 is thought to be an excellent score. You’ll qualify for the highest rate on credit card and loans.

The article was written by Amrita Jayakumar Writer The Washington Post Amrita Jayakumar is a former special assignments writer for NerdWallet. She also published a syndicated article on millennials and money, and covered personal loans as well as consumer credit as well as debt. Prior to that, she was an reporter for The Washington Post. Her work was published within newspapers such as the Miami Herald and USAToday. Amrita has a master’s degree in journalistic studies from The University ofMissouri.

February 1 2023

Edited by Kathy Hinson Lead Assigning Editor Personal finances, credit scoring managing money and debt Kathy Hinson leads the core personal finance team at NerdWallet. Prior to joining NerdWallet, she worked for 18 years working at The Oregonian in Portland in roles including copy desk chief and team director of design and editing. Her previous experience includes news and copy editing at various Southern California newspapers, including the Los Angeles Times. She received a bachelor’s degree in journalism and mass communications from Iowa’s University of Iowa.

A majority of the products we feature come from our partners who pay us. This impacts the types of products we write about and where and how the product is featured on the page. However, this does not affect our assessments. Our opinions are entirely our own. Here’s a list of and .

A credit score of 800 is definitely in the top range of scores. Lenders use your credit score to decide if you qualify for financial services such as credit cards or loans and also to determine the interest rate.

The figure was 23.3% of Americans scored 800 or more in 2021, according the FICO, a credit scoring firm. FICO.

Here’s how an 800 credit score will affect your financial life.

>> MORE:

You can get the best prices on credit cards and loans

With a credit score of 800, you can breathe easy as you’ll typically be eligible for the majority of financial services and enjoy the best rates.

This may not be the case if you are relatively new to credit, however, because lenders are looking for more than just a good score. The amount of time that you’ve been a creditor and the amount of debt you have in relation to your earnings is taken into consideration.

Read more about , to know what is important most in maintaining your access to the most reliable credit products.

Know how your credit is assessed

Find your free score and the variables that affect it, plus insights into ways to keep building.

Strategies to protect your credit score of 800

You’ve already mastered your credit habits, but the following guidelines will help you maintain your score. These tips will be beneficial if you like the challenge of , and the highest score for non-specialty credit scores.

Automate your payments. One late payment could cut up to 100 points from your score. If you don’t have automatic payments, think about creating them to reduce the risk of missing the payment, which could damage your score.

Check . It’s best for your credit score to make use of less of your credit limit. You can pay multiple times during a single billing cycle to make sure that utilization is kept to a minimum.

Look out for errors on your credit reports for any errors. Credit reports that are inaccurate are common and they may hinder your score from getting higher. and dispute any errors you discover.

About the writer: Amrita Jayakumar is a former writer at NerdWallet. She was previously employed by The Washington Post and the Miami Herald.

On a similar note…

Dive even deeper in Personal Finance

Find out how your credit is scored

See your free score and the variables that affect it, and get suggestions on how to keep building.

Make all the right money moves

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