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An 800 credit score is firmly in the excellent range of scores. Lenders use your credit score to decide if you qualify for financial products like credit cards and loans and to set your interest rate.
Only 23.3% of Americans had a score of 800 and above in 2021, according to credit scoring company FICO.
Here’s how your 800 credit score can affect your financial life.
With an 800 credit score, you can breathe easy — you will typically qualify for most financial products and get among the very best rates.
That may not be the case if you are relatively new to credit, however, because lenders look for more than a high score. The length of time you've had credit and how much debt you carry relative to your income also is considered.
Read more about , so you know what matters most in maintaining your access to the best credit products.
You already practice excellent credit habits, but the following tips will help you preserve your score. And they'll be of interest if you like the challenge of , the top score on non-specialty credit scores.