«A high FICO score can best be achieved by regularly and
responsibly utilizing a few
accounts of different types, while always paying on time, keeping balances low and applying for
new credit only when needed.»
If you're consistently paying your bills on time, keeping your balances low, keeping older
accounts open, limiting how often you apply for
new credit and utilizing different kinds of
credit responsibly, those moves can put you on the right track towards hitting the 850 mark.