How to get 800 credit score in 45 days?
A legit question many Indian borrowers fall under the 650-749 range ask is: “How to increase credit score to 800?”
Hitting the 800 credit score target feels like reaching the top level in a game; challenging, but absolutely possible. I remember when my score was stuck around 690 and the consequences I faced. Loan approvals were difficult, and I was paying higher interest rates than my friends. That’s when I decided to turn things around.
What did I do? Just took 3 smart moves! They are:
- Paying Every Bill on Time
Earlier, I would sometimes miss a due date by just a few days, without realising how much it can hurt my credit score. To avoid such mistakes, I chose auto-pay mode and avoided such scenarios.
- Controlling My Credit Card Usage
Swiping my card for almost everything had become my habit, leading to the use of 70 to 80% of my limit. Slowly, I brought it down to below 30%, and within 3-6 months, my score increased.
- Not Applying for Credit Too Often
Another habit that helped me a lot was avoiding new credit applications too often. There was a time when I had applied for three different credit cards in a year. Big mistake! Every new credit application triggers a hard inquiry, which can temporarily dip the score.
Lastly, I started checking my credit report regularly. This way, within 3 to 6 months, I crossed the 800 mark. Take these smart moves and be consistent to see the magic!