<prompt> Human: Im just curious how would someone get a score of 800. What would you have to do? How long would that take? Is it possible? Do you have a score that high? Or do you know someone who has a score that high?  <response>: My is in the 800s. I got my first credit card at 24. It was a secured card with a 500 limit and I put my Netflix and nothing else. When I applied for a mortgage six months later, I already had a credit score of 760. We took out the mortgage, and ended up refinancing about a year later. By then, my credit score was 790. Only had a mortgage and a secured card with on time payments. Since then, Ive added a credit card with a much larger credit limit. I funnel all my purchases through it those sweet, sweet rewards! and pay them off before theyre due. My utilization ratio is still below 10. When I refinanced my mortgage again last year, I had a credit score of 810.Tldr; 2 credit cards 1 is 8 years old and one is about 5 years old with less than 10 usage, and a mortgage refinanced twice with perfect payments. 