Unleash Your Credit Score's Full Potential: Achieve an 800+ Score in Just 5 Days

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Understanding Credit Scores: Insights from a Credit Specialist

Banker vs. Credit Specialist

- **Bankers often lack understanding of the credit underwriting process and their own products.** - When discussing credit scores, bankers may provide inaccurate information, such as the time it takes to achieve an 800 credit score.

Achieving an 800 Credit Score

- **Three open revolving accounts with a utilization under 10% are key to building an 800 credit score.** - Maintaining a loan on the credit file is also important, as paying off loans can cause a 40-point drop in the credit score. - **Vantage scores can be 50-80 points off from FICO scores, so it's important to understand the differences.**

Credit Score Variations

- Different institutions may pull from different credit bureaus, leading to variations in credit scores. - **The age and composition of the credit file also impact the ability to obtain high credit limits, even with an 800 credit score.**

Next Steps

If you have questions about business or personal credit funding, or removing negative items from your credit, consider scheduling a consultation.

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