So how did i get my credit score to over 800 and again i'm no credit expert, but just in my experience it actually started when i was 20 years old. So, a couple of months before i moved from california to arizona - and i eventually ended up buying my first house out here - i applied for a secured credit card and this secured credit card was 300 through bank of america. I'm not sure if this is now or still recommended, but i used to max out those 300 and i was set up for automatic bill pay again. I've heard a lot of controversial things of yeah.

That's the right thing to do. No, you should never max it out. All i'm telling you is that after six months, not kidding six months of having this secured credit card of knocking out each month and then paying it automatically six months, i got pre-qualified for my first house, i've at 176 thousand dollars and my credit score was at 7. 14..

Therefore, it was like tier 2 because it's 740. I think that you need to be above for tier one, but overall, that's how i was able to consistently scale my credit score.