How many years of credit history do the speakers say is generally needed to aim for an 800 credit score?

Charles NoonanPresident, Landbank University · Real Estate Developer & Instructor

Get 800 Credit Score? Avoid These Mortgage Mistakes!

9 Jul 2025 · 0 min

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A short YouTube transcript excerpt in which two speakers discuss why achieving an 800 credit score is difficult without a mortgage or a longer credit history. Speakers argue that lenders or scoring behavior typically expect five-plus years of credit and that absence of mortgages or major tradelines (auto loans, mortgages) makes an 800 unlikely.

Questions this video answers

Five plus years.

How do I get an 800? You're not going to get an 800 if you don't got a mortgage on your credit report. You need something with taxes. I don't have a mortgage on mine. But I used to. But, but look what you said. I used to. Yeah. Some people will come to us with no mortgages. They have never had, like, we've had people with no auto loans on their report. They don't have any mortgages. They don't have. They, they have, like, two years of credit history. But like, oh, I want 800. I'm like, bro, you don't even have five plus years of credit aids.
Because they want to see. And this is the only field where virgins are not, are not elevated.
No virgins allowed.