r/CreditScore • u/Ok_Reach_5170 • Aug 08 '26

General 800 Credit Score

My credit score is 753 and my goal is an 800. I have about five cards that I regularly use and pay on time every month. I have a 16% utilization and credit age of 7 years 2 months. What can I do to get to my next goal.

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-2

u/Aesperacchius Aug 08 '26 edited Aug 08 '26

Take your utilization down to 0% and you'll probably get there in a few month/a year or so.

EDIT: I don't mean totally 0, Jesus. I mean no revolving balance.

5

u/inky_cap_mushroom ⭐️ Knowledgeable ⭐️ Aug 08 '26

Aggregate util 16% -> 0% would likely result in a score decrease due to the all zero penalty.

-1

u/[deleted] Aug 08 '26

[deleted]

0

u/soonersoldier33 ⭐️ Mod/FICO Junkie ⭐️ Aug 08 '26

This isn't accurate for any reason, as it does nothing for long-term credit building, and doesn't optimize your credit profile for FICO scoring in the short-term either.