How to get my credit score to 850

It’s definitely possible to have a credit score over 800, but it’s not common! Only 21% of the population has a credit score of 800 or more. AND only one percent of the population has that perfect score of 850

So what is the secret to getting a perfect 850 credit score?  

A great place to start is considering what people with super high credit scores have in common. 

They all have…

• Between four and six credit cards which are revolving accounts
• At least one installment line - like a mortgage or auto loan that’s in good standing
• Around 30 years of credit use
• No late payments or other serious account errors for at least the past seven years
• Very few credit inquiries. No more than 3 inquiries in a six-month period
• No derogatory notations like collections, bankruptcies, liens, judgments, etc. They are clean as a whistle.  
• And the debt levels on their credit accounts are at less than 30% of their overall credit limit

You can tell from this list that you don’t get there overnight. 

BUT the important thing I want you to know is that, while it IS possible to have an 850 credit score, it’s not necessary to have an 850 credit score. Even improving your credit score to 700 can make a big difference. 

All the secrets that I’m sharing with you today apply whether you’re trying to increase from a 300 to 500 or 500 to 800… so these tips and apply them to yourself and to all your clients no matter where they are on their credit journey! 

So let’s dive in!

There are 5 simple things you can do to increase your credit score and to coach your clients, so they can have a higher credit score too:

1. See what everyone’s saying: Three major credit bureaus are monitoring how you handle your credit and your finances. So as often as you can (and especially a few months before entering into a major loan), review your credit reports from Equifax, Experian, and TransUnion. You’re entitled to one free copy from each bureau once a year and more under certain circumstances. 
2. Fix all typos and errors: Since your credit record spans almost a decade of your borrowing activity, it makes sense that errors sometimes turn up. A recent study showed that 79% of all credit reports contain errors. That's hundreds of millions of errors. Common credit-reporting errors include out-of-date addresses, closed accounts being shown as open, credit lines not reported at the correct amount, and wrong information.
3. Change your ways, immediately: Self-inflicted credit wounds (such as a history of late payments, defaults, or irresponsible behavior in general) will fade from your record over time. Since the most recent behavior on your reports carries more weight than old news, make a commitment that from this day forward you will be a financially upright citizen, and over time your score will grow. 
4. Remember that your credit card is not cash: It represents money you do not have. I really struggled with credit card debt so now I keep them in a drawer and I only use a debit card for everything. Even though you have been approved for credit by a bank, or store to borrow thousands of dollars, you don’t actually have thousands of dollars to spend, which leads nicely to the next rule…
5. Ignore anyone’s rules on what would be an acceptable amount of debt: Your debt to income ratio is the measure of how much debt you carry, versus how much money after taxes you have coming in. In the world of lending, it is acceptable to carry 25% of your income in debt. But that ratio is still very high. You might want to consider trying to keep your debt including car loans to 15% or less of your after-tax income.

Coaching your clients to a higher credit score will have a major impact on their life, as you help them understand their habits, and as you help them to change any of the bad habits that are getting in the way of the life they want. 

Here’s why this is important: 

• As you’re coaching your clients and as they begin to see results, they’ll be so grateful that they’ll turn from a paying customer to a raving fan!
• That means they will start to refer people to you, and your business will grow and grow!
• And one of the best ways to have instant credibility to potential clients is by showing increased credit scores and testimonials from your past clients. You can even

These changes don’t happen overnight, but when you follow these principles and coach them to your clients, you can radically change your lives and all the lives around you! 

It’s pretty amazing! Now go put these tips to work and raise your credit score! 

AND if you want to get certified in disputing and launch your very own credit repair business in just a couple of weeks, I invite you to join our Credit Hero Challenge!

It’s an amazing program that has helped tons of Credit Heroes get their first clients, get certified in disputing, and gain confidence in knowing they are launching their credit repair business on a solid foundation that allows them to grow and scale FAST! 

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