FICO score stuck at 780-790

Akamai Technologies Akamai 
7d 46 Comments

How do you go beyond 780 credit score?
i have been stuck at that score fpr last 1 year.
Maintain very low balance, pay always on time
and only 1 lease credit inquiry in last 2 years

Are there any quick ways to increase?
Store card (I dont have any)?
Reduce avalialbe credit?

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TOP 46 Comments
  • Google KissMyPiss
    780 is already highest tier, what's the purpose of trying to shoot for more? The only big thing that can help is credit history, but unless you have a delorean there's no helping that.
    7d 1
    • LinkedIn Zeiwkf5
      Seriously, what’s the need for higher score? I’m genuinely curious if there is something or if credit score is another TC pissing contest
      7d
  • Cerner RMuh72
    You need to get laid.
    7d 0
  • Netflix rAcC67
    Get more credit. Pay off more debts in full. I have an 840 score and it didn’t happen over night.
    7d 0
  • Qualtrics === null
    Increase available credit so your credit utilization rate goes down
    7d 0
  • ICF / Eng SouDa
    Is it really true that there's no reason to go beyond 780?
    Just curious...
    7d 5
    • Facebook Hodinkee
      No reason. I think even after 760.
      7d
    • Once you’re in the highest bucket, you’re in the highest bucket.

      There aren’t any secret super benefits for having a “near perfect score”. The load companies just don’t bother making loan rate scales at that granular a level.
      7d
    • ICF / Eng SouDa
      I see. Thanks.
      7d
    • Wayfair / Eng BScK77
      Just to add more support, when I was getting a mortgage last year, loan officer told me that 740+ was their top tier
      7d
    • Credit Karma
      BrunchBtch

      Credit Karma

      PRE
      Google
      BrunchBtchmore
      Prime starts at 700. SuperPrime varies by bank but it’s typically ~750. There’s really no benefit above that.
      7d
  • Goldman Sachs BMTt43
    Talk to your credit card companies and see if they can increase your credit limit. If they can, you will see a good spike.
    7d 5
    • New pkko62
      Most likely it will add credit inquiries and drop credit score.
      7d
    • Goldman Sachs BMTt43
      I am not saying to apply for a new credit card, Try to increase your credit limits on your existing credit cards.
      7d
    • New pkko62
      Doesn’t it count as a new credit inquiry?
      7d
    • Goldman Sachs BMTt43
      I don’t think so.
      7d
    • Pivotal Axe Cap
      That depends on the bank in question. e.g. Barclay does a hard pull on TU when you request a CLI. A lot of them won't (Capital One doesn't for sure), and in other cases they won't do a hard pull for a certain limit, but if you request over it, they will. I'd check on myfico.com or just google it (which will likely take you to myfico anyway) before you request a CLI to be sure.
      6d
  • This comment was deleted by original commenter.

    • Credit Karma
      BrunchBtch

      Credit Karma

      PRE
      Google
      BrunchBtchmore
      I’m an expert in this area, and you’re incorrect. Your source also contradicts your conclusion.
      7d
    • Your link shows 760 is in the best range.
      The author /thinks/ 800 might be better based on a question one person asked him one time. He has no proof that there is any difference between 780 and 800, or even 760 and 800
      7d
  • NVIDIA unipop
    Wow, I'm all for saving and paying off debts but you should really enjoy life more. Usually the only people who 1) have that crazy high of a score and 2) talk openly about getting it over that are hoader, penny pinching zealots of frugality.
    7d 2
    • Credit Karma
      BrunchBtch

      Credit Karma

      PRE
      Google
      BrunchBtchmore
      That’s incorrect. Credit score is the most important thing in the world.
      7d
    • Pivotal Axe Cap
      Getting superprime is helpful, and it doesn't really require penny pinching. Just put your netflix sub on your credit card and put it on autopay, do that for your other bills you have to pay anyway, and there you go.
      6d
  • Meetup svk837
    If you get over 800 you get eternal life.
    7d 3
    • Netflix rAcC67
      840 gives you 40 virgins.
      7d
    • New / Eng
      WscU36

      New Eng

      PRE
      LinkedIn, Yahoo, Oracle
      WscU36more
      Dude, I have perfect 850. Do not feel any difference.
      7d
    • Credit Karma
      BrunchBtch

      Credit Karma

      PRE
      Google
      BrunchBtchmore
      My credit score is 851. I had to kill for it.
      7d
  • Intuit n3s9k
    Time will raise it, if you continue to use your credit responsibly
    7d 0
  • Credit Karma
    BrunchBtch

    Credit Karma

    PRE
    Google
    BrunchBtchmore
    To echo what others have said, there’s no real reason to shoot for higher than ~760 and you won’t add to a 780 score quickly. You’ll need a longer and ‘thicker’ credit file (inb4 puns!) to get into the 800s (i.e. additional lines of credit with multiple types of credit).
    7d 0
  • Samsung statarb
    Just curious what your total line of credit is for all your cards combined?
    7d 2
    • Akamai Technologies Akamai 
      OP
      60k total credit
      700k mortgage
      10k car lease
      7d
    • Samsung statarb
      When I paid off 90% of a loan the rating went up 80 points.
      7d
  • Facebook public2
    Add decades of history. Perfect scores seem to come from having at least 10 years more history than your age.
    7d 2
    • How can you have more credit history than years alive lol
      7d
    • Facebook public2
      This is very common for most folks who grew up in the US. Parents often add their kids as authorized users when they are teenagers specifically so thay they can have a credit score. You inherit your parents history. My credit history is 20 years longer than I've been alive. My score is near perfect (slightly lower because I've been refinancing loans as of late).
      7d
  • Amazon / Eng bCxp50
    Take on revolving debt. Mortgages, auto loans, etc.

    Your credit score isn't just a measure of how reliable or "safe" you are as a borrower. It's also a measure of how profitable you are (to the lender). My score DROPPED 25+ points when I paid off my student loans early, because it closed off one of my longest running lines of revolving debt (credit).

    Therefore, once you're in the best credit tier--which you can do without carrying debt--getting your score even higher really isn't something to aspire to.
    7d 1
    • ICF / Eng SouDa
      Aw that sucks. I didn't know about the profit part.
      So paying house/car loans early would also have the same effect?
      7d
  • Oracle OlJs40
    dont maintain any balance. pay off every month. I auto pay. My credit rating has been 810-820 for 15 years. (pro rated, scale was lower back then).
    5d 0
  • ICF / Eng SouDa
    If you get 850 score then you get the ability convert all your wealth into raw physical power.
    Yeah like in the show Bungou stray dogs
    7d 0
  • Google / Eng Bergey Sin
    More fundamentally: why do you care? 780 is enough to find housing without any problems and credit cards galore.
    7d 0
  • Salesforce wackaplant
    Jumped up 30 points after I got a mortgage
    7d 0
  • Infosys / Mgmt
    TfDf00

    Infosys Mgmt

    PRE
    Ingram Micro
    BIO
    Meh.
    TfDf00more
    I’ve had an 810, dropped some when I bought cars and got new credit cards. Little things impact your score - balance of installment loans against initial loan amount, credit utilization, number of credit cards with balances, and average age of accounts. Leave all cards but one unused, don’t use more than 9% on any one card, pay down your car and student loans, and don’t pay late. You’re almost there. Credit scores go up and down, don’t worry so much.
    7d 0
  • When I sold my house, mine shot up from 760 to 797. It was not a huge loan either, and I still have student loans and paid some of those off as well.
    7d 0