3458cd8d-7a03-493e-b9bd-a794bd824e0b what is your credit score my comprehensive guide to getting you
Newsletter by Chris Larsen (published April 19, 2025) offering a practical, step-by-step guide to improving personal credit scores with the stated goal of getting above 800. Explains credit-score basics (range 300–850 and five weighted factors: payment history 35%, credit utilization 30%, length 15%, mix 10%, inquiries 10%), how to check reports for errors, and 10 actionable recommendations (on-time payments, lower utilization—target <30% and ideally <10%—ask for credit limit increases, use multiple cards responsibly, avoid many new accounts, build history via secured cards/authorized-user/credit-builder loans, keep old accounts open, diversify credit types, be patient, seek credit counseling). Also references a webinar on 4/29 and notes the author’s personal score above 800.
Questions this document answers
April 19, 2025
Chris Larsen
300 to 850
Payment history 35%; Credit utilization 30%; Length of credit history 15%; Credit mix 10%; New credit inquiries 10%.
Keep utilization below 30%, ideally below 10%.