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I got my credit score over 800 using this simple 4-step process

Started by Deleted user
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Deleted user

I read the four steps in the article again. Step 2 is extremely helpful. Using a credit card like a debit card makes a lot of sense. When using a debit card you can only spend what you have in the bank. If I use a credit card in the same manner, I am going to spend what I have in the "bank". I use the credit card for purchases that I would normally make with the debit card. The money is already accounted for so making timely payments should not present an issue. Thus far, this has worked for me.

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Vanessa P.

This is how I use my credit cards also I watch my credit card utilization very closely so that it does not go above the 30% usage.

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Jenice P.

I like the idea of using the credit card for your expenses, then paying off the balance in full.

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Ming C.

On #4, if you fully pay off a credit card a few days before the statement period closing, doesn't it look like you didn't use the credit card at all?

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Nadiay Y.

I will be giving this a try . To reach that 800 score.

Same

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