How I Boosted My Credit Score Above 800

I recently watched an episode of Netflix's Black Mirror where characters use an eye-embedded app to rate social interactions on a five-star scale.

These scores establish each characters' place in society, their jobs, and provide or deny access to high-end communities, reliable rental cars, or a seat on a sold-out flight.

When Lacie, the main character, learns she needs to boost her score for a 20% discount on rent in a coveted, high-end community, she meets with a professional for advice. As can be expected, Lacie's plans go horribly wrong and a series of mishaps cause her score to plummet.

Although this episode is meant to be satire—a cautionary tale on the dangers of modern app rating systems—it's also a painful reminder of our own credit system.

Even small missteps like a missed payment or errors on our credit reports can have a huge impact. A low credit score can make it difficult to buy a home, rent an affordable apartment, purchase a car, or consolidate debt.

In fact, per the Fair Credit Reporting Act, all of the following credit inquiries are allowed:

  • Satisfying a federal court order or subpoena
  • Financial institution completing a credit application for a loan
  • Utility companies
  • Insurance underwriters
  • Government agencies for certain licenses or government benefits
  • Landlords
  • Potential Investors
  • Current creditors for collections efforts
  • Child support enforcement
  • Prospective employers (only with your written consent)

Pretty nerve-wracking, huh?

These are reasons I've prioritized my credit score over the past few years.

And recently, I passed the 800 mark!

Are you ready to start improving your credit score? Try these proven tactics.

Disclosure: This post may contain affiliate links.

Monitor Your Credit Score Regularly

Although there are dozens of paid services available for monitoring your credit score, many banks are now offering this for free. This includes credit card companies like Citibank, Barclaycard, Chase, and more.

Have you checked to see if your credit card offers free access?

The best place to get your credit report for free is through You can access your free report from all three of the credit reporting agencies—Experian, TransUnion, and Equifax—every twelve months.

To stay informed between annual updates, you can monitor a summary of your TransUnion credit report for free through Credit Sesame.

Here is what my main dashboard looks like:

I keep track of my FICO score and watch the individual bureaus for errors.

Dispute Errors on Your Credit Reports

Your credit report impacts everything from paying off debt to applying for a job. But, unfortunately, errors happen more often than you might expect.

One in four people have errors on their credit reports.

Pretty scary, right?

If you discover an error, don't panic.

You can easily submit a dispute to any of the three credit reporting agencies.

It's best to submit a dispute both online and in writing, and keep a record of all communications. You will need to provide as much detail as possible. Include copies (not originals) of the documentation that supports your dispute.

Here is a sample credit report dispute letter.

The credit reporting agencies are required to respond within 30 days.

How Your Credit Score is Calculated

Do you know exactly how a credit score is calculated?

Here's how FICO breaks it down:

  • 35% – Payment History
  • 30% – Total Debt / Utilization
  • 15% – Length of Payment History
  • 10% – New Credit Inquiries
  • 10% – Credit Mix

Payment History – How often have you paid your bills (past credit accounts) on time?

Total Debt / Utilization – What is your current amount of debt? How does your current credit card debt compare to your total available credit line? This is determined by looking at your statement balances.

Length of Payment HistoryWhat is the age of your oldest account, your newest account, and the average age of all your accounts? Generally, a longer credit history increases your score.

New Credit Inquiries – Opening a lot of new credit accounts in a short period of time sends a red flag to credit reporting agencies. This can be especially harmful if you don't have a long credit history.

Credit Mix What types of credit accounts do you have? This may include credit cards, student loans, personal loans, mortgages, etc.

How I Boosted My Credit Score Above 800

  • No missed payments. A history of on-time payments is 35% of your FICO score. If you have missed even a single payment, prioritize adding positive information back into your credit history. Set reminders in your calendar or automate your payments.
  • Low total debt and utilization. These two factors impact 30% of your FICO score. Currently, my only debt is my mortgage. I pay off my credit cards on time and in full every month, and I never spend more than 10% of the combined limit.

Here is a screen shot from Credit Sesame. Last month, my utilization was 3%. I have two credit cards I use on a regular basis (personal & business).

The other two cards only serve as tools for boosting my credit history and utilization. I make one small charge on each per month and pay them off once I have received the bill.

  • Long credit history. Your length of credit history is 15% of your credit score. Even though I don't use my oldest card on a daily basis, I keep the account active by making one small charge per month.

  • Account mix. You may have noticed account mix is the weakest area of my credit. Because it's only 10% of my overall credit score, I don't focus on it. A history of on time payments and total debt / utilization are much more important (65% of your total score).

Your credit score impacts many areas of your life. But even if you have had blemishes in the past, it's never too late to make improvements. By adding positive information back into your credit history, your negative marks will matter less over time.

Readers: Are you happy with your credit score?

If not, how are you working to improve it?

Related Post


Discussions — 12 Responses

  • Stuart @ Epic Quiver February 7, 2017 on 12:25 am

    I’ve been between 827 and 835 for a few years now.

    The best way to build your credit is to focus on the top three most heavily weighted scoring criteria. Pay your bills in full and on time, paying the minimum amount due on a credit card is not going to help you. Keep your credit utilization low. You will see posts out there that say if you’re credit utilization is below 30% you are golden. I personally think that is bad advice. As a peer-to-peer lender on LendingClub, I do not finance any loan applications that have more than a 10% credit utilization. Those with the best credit scores utilize between 5% to 10% of their credit lines. I would challenge those looking to significantly increase their credit score to keep their utilization below 5% and preferably closer to 1%-2%.

    Also start building credit early and establish a long credit history. For parents I would suggest to start building your children’s credit history as early as possible, by adding their name to one of your credit cards as an authorized user.

    Lastly, you can Ask your landlord to report your rent to the credit bureaus. If you rent from an individual landlord or property management company that does not report data, sign up for a rent payment service which will allow for the payment and collection of your rent electronically and automatically report your on-time payments to the credit bureaus.

    • Kate Dore Stuart @ Epic Quiver March 6, 2017 on 4:22 pm

      Thanks so much for the tips, Stuart!

  • Melanie @ Dear Debt February 18, 2017 on 6:28 pm

    Wow, nice job Kate! Over 800 is great. I am mid-700s and am happy with that. I think making on-time payments is the most important part of having good credit!

    • Kate Dore Melanie @ Dear Debt February 23, 2017 on 8:52 am

      Thanks, Melanie! Mid-700s is awesome. You’re totally right about on-time payments.

  • Alexis @FITnancials February 24, 2017 on 4:05 pm

    Wow! I’m surprised to see that 1 in 4 people have an error on their credit report. That’s scary! I’ve only missed 1 payment (which I missed out of forgetfulness), but I don’t think it hurt my credit too much.

    • Kate Dore Alexis @FITnancials March 3, 2017 on 9:12 am

      I know, right? The good news about a missed payment is it will matter less over time as positive information is added back into your credit report.

  • FinancePatriot March 6, 2017 on 4:05 pm

    Congrats. I find our credit score goes up when we make credit card payments. We are also travel hackers, and I would like to add that it’s a myth that your credit score goes down if you open up a bunch of credit cards for points and rewards. In fact, the opposite happens, over time and on time payments, your credit score goes up.

    Just for good measure though, we do set up all new credit cards on “auto payment” to be paid in full on their due dates.

    By the way, we are in Franklin, TN. Hooray for no state income tax.

    • Kate Dore FinancePatriot March 6, 2017 on 4:21 pm

      Hey there! Awesome to meet another Nashville area personal finance blogger. I’m always looking for more travel hacking tips. Thanks for commenting!

  • FinancePatriot March 10, 2017 on 11:31 am

    How is Black Mirror? I added it to “my list” and watched a small portion of an episode last night. I must be the only person who didn’t really care for Stranger Things, so I was wondering how this series, Black Mirror is? Should I watch it?


    • Kate Dore FinancePatriot March 10, 2017 on 11:55 am

      Haha, I’ve only seen two episodes! I watched the episode I mentioned because I heard it’s similar to what’s happening in China. Then, I watched the episode right after. You didn’t like Stranger Things?! 🙂

  • Mike April 25, 2017 on 12:29 pm

    Kate, great job getting over 800…i just recently crossed that threshold too…i didn’t do anything different, i guess the length of credit history finally kicked in to boost my score…i think they will eventually make it so that the top score would be 1,000…anyways, keep up the great work…take care, Mike
    PS – Black Mirror is great

  • Blogger Content RoundUp for May 2017 – Debt Files May 30, 2017 on 3:36 pm

    […] recently posted How I Boosted My Credit Score Above 800 where she details what she did to accomplish […]


This site uses Akismet to reduce spam. Learn how your comment data is processed.