Here I will talk about some easy steps you can take to push your credit score past the 800 mark.
I made a post before on how to fix bad credit but what do you do when you have good credit? What if you're sitting at 730 - 740 and you want to break into the 800s?
Here are a couple of tips to do just that:
Below I listed what a healthy use of credit consist of:
What's important is that you have a reason for your credit and it all stays current.
It keeps your utilization low. If you owe 2.5k, and your total credit line on two cards is 5k, then you are at a 50% utilization but by having 10k between those two cards you only have a 25% utilization.
It shows that you have available funds and you don't need to use it. Someone will feel better lending you a lot of money if you have a credit line of 200k and only 20k in debt.
Always request for credit increases even if you don't need it or use it. A hack I use is leveraging my cards against each other. Right now my Capital One card has a credit line of 45k and I called Chase and let them know I would prefer to use their card but the credit line is too low, and I would need them to at least match or exceed my Capital One card. They checked my Capital One card and matched it bringing it up another 20k.