Want an 800 Credit Score by 2023? LendingTree Reviews How to Do It


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Oh, the 800 to 850 credit score – the highest credit score anyone can find, and what FICO considers “extraordinary.” With a credit score between 800 and 850, buyers get better approvals, better loan offers, better insurance rates, lower interest and higher limits. But how does one achieve it credit score of 800 and above in 2023? LendingTree online marketing appears to have broken the law.

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LendingTree analyzed the anonymous credit reports of 100,000 users with credit scores of at least 800. Here’s how consumers shared their highest score.

They paid their bills on time

Everyone in LendingTree’s sample had a credit score of 800 or better and paid their bills on time each month. Payment history makes up 35% of the credit score and is the most important factor in the overall credit score.

They owe about $150,270

Americans with 800-plus credit scores owe about $150,270, including mortgages, and are making monthly payments of $1,556. Total debt accounts for 30% of a consumer’s credit score and is the second most important factor in the credit score.

Their longest running story is almost 22 years old

The oldest active account for those with an 800-plus credit score is about 22 years. Length of history (15%) is the third most important factor in scoring.

They got an average of 8.3 Open Accounts

People with 800-plus credit scores have an average of 8.3 open accounts. Credit mix accounts for 10% of a person’s credit score.

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They Limit New Credit Checks To Less Than 2 Bi-Yearly

Consumers with 800-plus credit scores had only 1.8 new credit inquiries over the past two years. New credit accounts for 10% of a person’s credit score, and new inquiries stay on a person’s credit report for two years.

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