Frequently Asked Questions(FAQ)

What does it mean to have an 800 credit score?

Having an 800 credit score is something to be proud of. It’s an outstanding achievement. It means that you’re a fiscally responsible person who pays their bills on time. It tells lenders that you’re a responsible, top-tier borrower who isn’t a risky investment. 

Having an 800 credit score also means that you have a lot of opportunities to invest in businesses, real estate, and buy possessions that fulfill your dreams and make you and your family or friends happy. 

How long does it take to get an 800 credit score?

There is no predetermined or set time that it takes to get an 800 credit score. It depends on what your current credit score is, if you have collections accounts, how your payment history looks, and the age of your credit accounts. It will take a short time to get to 800 if your credit score is already in the 700s with no collections accounts. However, it will take much longer if you have a low credit score with a short length of credit history and a payment history that isn’t stellar. Remember to be patient, monitor your credit score, and pay all of your bills on time. 

Can you raise your credit score to 800 in just 45 days?

It is certainly possible to raise your credit score in 45 days if that’s your goal and you’re willing to work towards it. It may mean cutting back on other expenses like eating out or shopping; and instead putting that money to pay off collections accounts or credit cards. You will also need to be proactive in monitoring your credit score and making on time monthly payments. 

How do you check your credit score?

There are many different ways to check your credit score. Each credit bureau allows you to check its individual score on their website, so you can head to TransUnionExperian, or Equifax. You can also check your credit score for free at Credit Karma and Keep in mind that some sites may try to get you to sign up for emails and credit monitoring that is not free. 

If you have a relationship with a private banker, wealth manager, or a mortgage broker, they can also check your credit score for you and may be able to advise you on how to improve it. There are also services that will help you improve your credit as well. Be sure to read the terms and conditions, and the company’s user reviews before signing up for anything. 

About the Authors

Allison Bethell

Written by: Allison Bethell

Real Estate Expert

Allison Bethell is a content writer, real estate investor, small business owner, and consultant. She has a B.A. from Villanova University in Sociology and Business. She also holds several graduate certificates in early childhood development, screenwriting, and contract law.

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