Credit Score Improving Your Score

9 Habits That People Who Have A Perfect Credit Score

Susan McCullah
Written by Susan McCullah

That impressively perfect 850 credit score may seem like an unattainable accomplishment, especially if you have suffered with past credit mistakes such as too much debt, bankruptcies, or collection accounts. A small pool of people, roughly half a percent of the population, enjoys the benefits of the top tier of credit. High credit scores give a consumer a wider variety of options in all of their buying decisions, and can save them literally hundreds of thousands of dollars in interest over a lifetime.

How can you join this group of credit elites? It may be easier than you think. Let’s look at nine smart habits of people who have a perfect credit score.

1. Create a budget
A perfect credit score is born far before a credit report is pulled. It begins with a person’s budget. Consumers in this upper credit scoring echelon understand their expenses and balance them with their incomes. Avoiding bills or thinking “I will find some way to make ends meet” sets you up for a financial meltdown. Get more involved with household bills, and understand your outgoing money to help you manage better, and avoid potential late payments or mounting debt.

2. Live within your means
It’s sometimes difficult to not yearn for a new car when your neighbor just bought one, or fantasize about an expensive vacation when your brother-in-law just took one. Don’t let these feelings cause you to spend more than you can afford. One of the main components that people with perfect credit scores share is their ability to live on their salaries and pay their bills on time without incurring crushing debt. Embrace self control. Your financial future is worth it.

If you really want to purchase something, you need to do what they do and…

About the author

Susan McCullah

Susan McCullah

Susan is an established writer who has created dozens articles about credit scoring, identity theft, budgeting, and finance. She has worked in the Credit Reporting industry for 10+ years, and is FCRA certified. She has conducted presentations and webinars on the topics of credit scoring formulation, raising credit scores, and credit score mistakes.


  • I have a couple of credit cards with fees. One of them is $100 a year! The charges are broken down to a monthly fee. It has a zero balance ($1450 limit) and paying that fee is honestly a pain. Can I cancel that card?

  • I use my credit card for almost all purchases, but I make payments on it generally once a week (*not* once a month), so I don’t have a huge bill at the end of the month, at it comes close to simulating using a debit card, but with the protection of a credit card. I also have set up all the bills I can to be paid automatically online, about a week before they are due. My credit score seems to like these! 🙂

    • your on a right path of paying your bills. and the best way that people don’t realize that works the best to improve credit works everytime counts 75% of credit improvement

    • I think this is the one thing I’m not doing, I have a credit card, but use it for only emergencies and usually replace the cash asap. For fear that I’ll get behind again, even though the stimulator tool shows me what monthly payments will do for my score over time. But I will certainly try and be patient. Thanks for the tip!

  • Hello I’m used before Lexington for couples months and nothing happen so you guys know other company I can used and not wasting my money than you

  • I have been using your information to raise my FICO scores from 705-740 up to 753-802. Why is Experion 40-50 points lower than Transunion? Is this normal? I changed bank for checking account to Chase Bank. Using Bill Pay, I set up recurring payments on all credit cards to cover minimum payments. When I get my invoices, I change amount to pay if balance is lower or if I have extra to pay more. Therefore, no late payments. They also give FICO score information for 7+ categories that make up your FICO score. You can also change information to see how paying down or increasing debt, increasing credit limits, etc will affect your score. When I pay off all credit cards my FICO will be 823. Great tool.

  • I have used some of yr advice and have seen a difference in my overall credit score, changing, from a low 300’s to the high 600’s and then in the past year or so I’ve seen it jump to being even higher. So great job on giving this advice, we all need it, since our own habits can some time control us, im pretty sure none of us wants to be in this situation…

  • I will continue to follow all of the processes. My score has raised from 482 to 644. Want to have the perfect score.

  • I have been following the advice given. I have come from a 482 to 644. I will work to get my score to the 800. Key is staying focus.

  • I were using you guys and for all most 6 month you guys have my case nothing happened am just paying so much money and nothing why.

      • I used Lexington Law some years ago. They were advertising they could remove BKs so I fell for it. Finally stopped paying them after 8 months. They removed old information that anyone can do on their own.

        • Lexington Law Firm did nothing for me but charge a monthly fee which they claimed has to be debited from a checking or savings account. I do not recommend them, in fact I recommend staying away from them.

  • I were using you guys and for all most 6 month you guys have my case nothing happened am just paying so much money and nothing why.

  • Love to read articles about credit scores. I am one trying to climb to the perfect 800, but like you said, it takes time. I look at the climb as a game where I’m playing against a low score. I’m going to win even if it take me a little longer to get that perfect 800. I will get there. Thank you for all your advice.

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