According to Wallet Hub, only 1 in 6 Americans has a credit score of 800 or above. That puts the percentage somewhere in the ballpark of between 16% and 17%. It may even be a little less than that. Essentially, you are the cream of the crop as they say. Once you have a credit score of 800 or higher, there really is no point in trying to raise your credit score anymore through direct action. Any difference between 800 and 825 is not significant to save you any more money than when you are in the 800-club. Achieving an 800 credit score can take more than just on-time payments. Credit score is also determined by factors such as length of credit history and debt-to-income ratio. If you are new to credit and have a few accounts that are all current you may be wondering why you don't have an 800 credit score yet. Be patient and keep establishing credit and making on-time payments. As you establish more and more credit with positive remarks, you should see your credit score start making its way to 800. If your goal is to achieve an 800 credit score you should use a free app or resource that can help you track and manage your credit score. Check with the bank your checking account is with and see if they have a platform that can help you track your credit score. You can also use a Smartphone application such as Credit Karma to monitor your credit score. Credit Karma can provide tips to help you improve your credit score.