What happens next?

How to get a perfect credit score
Understand how credit agencies calculate your credit score.
Most agencies use payment history, types of credit, and a ratio of debt to credit in order to calculate a credit score. If you want to get a perfect credit score, it's important to understand the specifics of how your score is calculated.
Use this information to monitor your behavior and help you reach your goal. Each agency computes your credit score in a slightly different way.