In many cases, the difference between good credit and excellent credit simply comes down to time. It takes a while to build a credit history, open a variety of accounts and demonstrate responsible use so that your score can increase over time. Borrowers with excellent credit can access the best interest rates and loan terms, but good-credit borrowers can still get good offers, too. To work toward excellent credit, keep credit cards open, focus on keeping your credit card usage below 30% of your limit, always make payments on time, and gradually add new types of credit.