Your Credit Questions and Answers

To earn an 800 Plus credit score you must have at least Three Different Credit Sources , No Missed Payments in the last 7 years, Less than a 10% Credit Utilization , and an Average Credit History of at least 6 years.       An 800 Plus credit score is considered excellent and what most people would like to accomplish.   A perfect FICO or Vantage 300 Credit Score is an 850. The worst is a 300.  800 Plus Credit Score Requirements The requirements for an 800+ score are rarely stated but here's what I have found: You must have at least three sources of credit, up to five will have a positive affect. An example  might be  two credit cards, two car loans and a mortgage or two credit cards and a personal line of credit. You cannot have any thirty day late or MIssed Payments in your credit history in the last 7 years. I have been able to get some missed payments removed. Check out How I removed a Missed Payment. You cannot have any Collections in your Credit History in the last 7 yea

Always Be Nice to Customer Service Customer Service Agents are able to help you if you're nice to them and hurt you if you're not. I was never taught how to deal with Customer Service.  However my Mother always taught me to be a Gentleman. Customer Service on the Phone I am always extremely nice and courteous to customer service. They have a very tough job because so many people yell at them and treat them horribly.  So many customers, especially of banks or credit cards, make a mistake but won't accept responsibility for their mistake. The customers want to blame the bank for the missed payment.  My dog ate my statement so I didn’t pay my bill. My rule of thumb is always be extremely nice to customer service. They're just doing their job and it is a tough one. They can certainly help if you are nice to them. Customer Service Tracks You Many Customer Service agents are able to make notes on your account. If you are particularly mean during an interaction they will