What is considered a high credit score and how can you get there?

An abstract background of people and their credit bureau score report card numbers

When talking about credit score most people know that the higher the score the better it is for you. But what some do not understand is how do you achieve this high score? When looking at your credit score a lot actually goes into it. You may not even realize but so much of what you do financially factors into your credit score. The things that you do apply for credit pay bills off, open new lines of credit all factor into your credit score. When credit agencies look at your credit report they look at a number of things. How many credit lines you have, how much credit card debt you have, how many credit inquiries you have, the time of how long you have had your credit accounts, and the payment history of your credit lines and bills. 


We are going to explore the different factors that play into your credit score and what a high credit score is. And what you can do to ensure that your credit score stays high enough to give you some financial freedom. 


  1. On-time payments- Paying all of your bills on time and making sure nothing goes into collections is essential for a healthy credit score. When you are late on payments or even miss payments, it is recorded into your credit report. Although the same for when you make on-time payments. The more you pay your payments on time the better it looks for creditors looking to give you credit. The more they can trust you the better it is in getting approved for certain things. Ideally, it is better to set your payments to automatic payments so that you do not have to worry about paying your bills on time.
  2. Collection accounts- Having accounts in collections is never a good thing. It means that you did not pay your account and it was sent to a credit collection agency. These will normally stay on your credit report for about seven years. And with these, it can bring your credit score down a lot. 
  3. Credit history- A good credit score will have a good amount of healthy credit history attached to the report. Credit history can mean multiple credit cards, mortgage, car loans, personal loans, and the list goes on. Now, remember you do not want to have too much credit as that could be a red flag for creditors looking to approve you. Normally having 5 to 8 credit accounts is ideal. But you never want to take on to much responsibility as that might get you in over your head in bills.
  4. Inquiries- Inquiries are tricky and can be annoying you have two different inquiries. A hard inquiry and a soft inquiry. A hard inquiry will appear on your credit report and will stay on there for two years. Now to many of these will potentially scare off creditors as it might look like you are trying to get to much credit. On the other hand, soft inquiries are more forgiving as they do not appear on your credit report. Now a soft inquiry is normally like a pre-approval check. When looking for credit it is better to get pre-approved normally if you are pre-approved you will be approved during the hard credit check.
  5. Credit lines- Most people are not aware of this, but going over your credit limit more than 30% can actually affect your credit score. Even though you have a credit limit it does not mean that you should reach it to its limit. Banks for some reason feel less comfortable when you go over your that 30% mark on your credit card. 


What is a high credit score?

When looking into what a high credit score is you may be conflicted you might think that having a 700 credit score is sufficient enough, and while to most lenders, a 70 credit score is something that they feel comfortable with you having an even higher credit score is better. We asked our friends at credit score api what a was considered a high credit score and their response was “ Having a credit score anywhere at 750 and above is considered a high credit score as well as a perfect credit score. And ensuring that you maintain that credit score will take due diligence on your part.


We hope that this was helpful to you in determining what a high credit score is. We understand that sometimes things happen we fall behind, but if we are willing to pick ourselves back up and work on getting that high credit score it is in fact very achievable to get. Just make sure that you stay on top of your credit score and do not go in over your head. You definitely do not want to bring that score down at all.

Set Your Business Up For Success
Want to make this your most successful year yet? Make sure to cover all your bases. Focus on what you do best and find experts for all of the rest. Fiverr is a great place to find professional help in every field imaginable. Have countless to-dos? Fiverr’s freelancers can be counted on to do them all. On time and on budget.

Wondering where to start? Here are your 3 steps to business success:
1. Build a Better Brand
Want a brand that earns your customers’ trust and loyalty? Don’t confuse them with a bland brand.
Create a standout brand across every aspect of your marketing: Brand your logo, your website, your app, your social media.
You get the picture. (but make sure that picture looks good)
  • Get a world-class logo design

  • Design your social media to reflect your brand

  • Tailor your web and mobile design to fit your brand

Social Media Design
Logo Design
Web Design
2. Grow Your Customer Base
They’re not going to walk in your door if they don’t know who you are. Catch them while they’re browsing the Internet at home. Pop up on mobile while they’re walking around town. Whatever it takes to reel them in.
Pump up your presence online with these easy fixes:
  • Boost your social media marketing (SMM): Target your ideal customers and appear in their social media feeds.

  • Level up your search engine marketing (SEM): Pop to the top of the search results with your targeted ads.

  • Step up your SEO: Rank first on Google search results and get the attention your brand deserves.

Social Marketing
ASearch Engine Marketing
3. Stay Ahead of Your Digital Game
To keep pace with the latest digital trends, you have to keep up with the times. This means you need to give your users what they demand.
Constant content updates: Who wants yesterday’s news?
Short, engaging videos: Your customers crave them.
Seamless user experience (UX): Because no one wants to waste time looking around your site for info when they can find it elsewhere faster. A clean, user-friendly user interface (UI) can clean out the clutter and make your users even more engaged.
Stay ahead of the pack with:
  • Website Content

  • Short Video Ads

  • WordPress Site Building

Video Ads
Website Content
Everything your business needs is just 3 steps away!
Learn more about how to build and grow your business with
Fiverr Business Guides.


Please enter your comment!
Please enter your name here