According to Experian, 21% of consumers have a credit score of 800+. There are a few ways to get your score this high. Keep your credit utilization low -- the average person with an 800+ FICO Score has a 6% credit utilization. Monitor your credit report so you can quickly catch any errors and determine areas you could improve credit-wise. Try also to keep your accounts open and in good standing to build up your credit history. Making on-time payments and keeping your credit mix varied -- without applying for too many new accounts at once -- can also help.