Introduction
Reaching a 900 credit score (or the highest possible score) is an ambitious goal. While it may not be necessary, adopting excellent credit habits can help you get as close as possible. This guide breaks down the exact steps to achieving an exceptional credit score.
Step 1: Always Pay Your Bills On Time
Your payment history makes up 35% of your FICO score, so late payments can significantly hurt your credit. ✅ Set up autopay for bills ✅ Never miss a due date ✅ If you have a late payment, call the lender and request a goodwill adjustment
Step 2: Keep Credit Utilization Below 10%
Your credit utilization ratio (how much credit you use vs. your limit) impacts 30% of your score. ✅ Keep credit card balances low ✅ Pay off balances before the statement date ✅ Ask for a credit limit increase (but don’t increase spending)
Step 3: Maintain a Long Credit History
The length of your credit history accounts for 15% of your score. ✅ Keep old accounts open (even if you don’t use them) ✅ Avoid closing long-standing credit cards ✅ Be mindful when opening new accounts, as they lower your average credit age
Step 4: Have a Diverse Credit Mix
A healthy mix of credit types (10% of your score) shows you can manage different types of debt. ✅ Maintain a mix of credit cards, loans, and mortgages (if applicable) ✅ Avoid having only one type of credit account
Step 5: Limit Hard Inquiries
Too many hard credit inquiries can reduce your score. ✅ Only apply for new credit when necessary ✅ Space out credit applications by at least six months ✅ Use soft inquiries to check your score without affecting it
Final Thoughts
While a 900 credit score is rare, following these steps can help you achieve a high score that brings the best financial perks. Instead of aiming for perfection, focus on maintaining an excellent credit score (800+), which is all you need for financial success.