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I don't know that there are any silver bullets that come your way at 800, but you will never be accused of having bad credit... ever. From my own research, it seems that once you cross the 720 threshold, it doesn't make much difference. My wife and I are retired and in the process of purchasing a 3rd home (Arizona for the winters) and found that dealing with lenders is much easier when you have a good score. Mine is 804 while my wife's is 816. What I really want to know is how we could possibly have different scores when everything on our credit report deals with joint accounts. If someone has the answer to this one, please let me know.

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16y ago

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