For the vast majority of the last decade, if you had a 750 score you could get approved for any loan or credit card (assuming you had reasonable income, too).
How to get a credit score of 750?
1. Set up a consultation with Score Well Credit to review a current and accurate report.
2. Know the different credit scoring models
Monitoring your score is a useless endeavor if you don’t know what type of score you are looking at. But I’m willing to bet there’s a good chance you don’t even know your real FICO. You can read more here
3. Keep your credit utilization super low!
Spread your spending across multiple credit cards if necessary. Or if you’re only using one or two accounts with relatively low limits, then make more than one payment per month to keep your utilization low.
4. Have multiple accounts
In order to get into the high 700’s you will need to have multiple lines of credit, a diverse mix. That might mean a few revolving accounts (credit cards) and a couple installment loans (loans where you owe the same amount each month). Utilities don’t show on your credit report unless you are delinquent on them, so if you banking on those to give you diversity then think again.
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