A high credit score isn’t just about luck—it’s the result of smart, consistent financial habits. People with excellent credit scores (usually 750 and above) follow specific routines that help them build and maintain strong credit profiles. Whether you’re starting from scratch or trying to improve your score, modeling these behaviors can make a big difference.
Here are the top 7 habits of people with excellent credit scores in 2025.
1. They Always Pay on Time
The most critical factor in your credit score—accounting for about 35%—is payment history. People with excellent credit make every payment on time, whether it's a credit card, mortgage, student loan, or utility bill. Late payments can significantly lower your score, and the damage can last for years.
Tip:
Set up automatic payments or calendar reminders to never miss a due date.
2. They Keep Their Credit Utilization Low
Credit utilization refers to the percentage of your available credit that you're using. The general rule is to keep it below 30%, but people with top scores often keep it below 10%.
Example:
If your total credit limit is $10,000, aim to use no more than $1,000 at any given time for the best score impact.
3. They Monitor Their Credit Regularly
High-score individuals check their credit reports and scores regularly. This helps them spot errors, detect fraudulent activity, and stay on top of changes. It also helps them stay accountable and informed.
Recommended Tools:
Use services like Credit Karma, Experian, or your bank’s credit monitoring features.
4. They Maintain Long Credit Histories
Length of credit history matters—it accounts for about 15% of your credit score. People with excellent scores often have old, well-maintained accounts. That’s why closing old accounts can hurt your score.
Tip:
Keep your oldest credit card accounts open, especially if they have no annual fee.
5. They Limit Hard Inquiries
Every time you apply for credit, it results in a hard inquiry, which can slightly lower your score. People with excellent credit avoid applying for multiple credit accounts in a short period.
Rule of Thumb:
Space out credit applications by at least six months if possible.
6. They Use a Mix of Credit Types
Credit scoring models favor borrowers who can handle different types of credit responsibly. This includes credit cards (revolving credit) and installment loans like mortgages or auto loans.
Tip:
Don’t take out unnecessary loans, but don’t be afraid of responsible credit diversity either.
7. They Address Errors and Disputes Quickly
Mistakes on your credit report can hurt your score—even if it’s not your fault. People with excellent scores regularly review their reports and dispute inaccuracies quickly with the credit bureaus.
Resources:
Check your free annual reports from AnnualCreditReport.com and file disputes online with Equifax, Experian, and TransUnion.
Frequently Asked Questions (FAQs)
Q1: How often should I check my credit score?
A1: At least once a month. Many banks offer free credit score tracking with your account.
Q2: Does paying off my credit card in full help my score?
A2: Yes. It shows you’re managing credit responsibly and keeps your utilization low.
Q3: Should I close a credit card I don’t use?
A3: Not necessarily. If it has no annual fee, keeping it open helps with credit history and utilization.
Q4: Is it okay to have multiple credit cards?
A4: Yes, as long as you manage them well. It can even help your utilization ratio.
Q5: How long does it take to get an excellent credit score?
A5: It varies, but with consistent habits, many people see major improvements within 12–24 months.
Final Thoughts
Building excellent credit takes time, consistency, and discipline. The good news? Anyone can develop these habits. By making smart financial choices and sticking to them, you’ll not only improve your score but also open the door to better loan terms, higher credit limits, and greater financial flexibility.
Start adopting these habits today—and take control of your credit future.
