
These are the five most important factors that can impact your credit score. High scores can be obtained by disputing inaccurate information, and maintaining a clean credit record. It can take several years to correct credit history that has many public records and delinquencies.
Score of 850
It may seem impossible to reach an 850 credit score, but it is very possible. Experian's recent survey found that only one percent have scores over 850. Although it is difficult to maintain high scores, there are some simple steps you can do to improve your score.

Requests for hard copies
You may have noticed that the number of applications you make each year affects your credit score. These inquiries are indicative of your credit shopping activities and could be useful to potential lenders when assessing creditworthiness. Additionally, multiple inquiries generally count as one, but that period of time varies from credit scoring model to credit scoring model. This time period is designed to let you compare loans and allow you to search for them without negatively impacting on your credit score.
Age
Building a strong credit history is a great way to improve your credit score. You can't instantly get to 850, but there are many things that you can do to increase your credit score. The first thing you should do is take the time to understand your credit history. Age is one factor in determining your score. In their 20s, the average credit score is around 661. The 733 credit score is the best for this age group.
Income
The average credit card balance for the 850 credit score club is higher than that of the general population. It averages $32,872 and $17,064. It is important that this club consists mainly of older people. The silent generation and baby boomer generations have the highest proportions of 850 credit score holders. However, millennials and Generation Z only make up 25% of those with 850-plus FICO(r).
Timely payment of bills
Paying history is one of your most important factors when achieving a credit score of 850. Your score will increase if you have a longer payment history. It is crucial to pay all your bills on time. Also, make sure that you do not have any outstanding balances. Having a clean payment history is vital for getting approved for a loan or mortgage.

Maintaining a positive financial attitude
One of the most important things you can do for your credit score is to develop a good financial routine. A high credit score is a sign of your ability to manage both your credit card and your debt. High-scoring people have a long credit history, excellent payment records, and a balance between their available credit and any unpaid balances. These people also use only a small proportion of their credit limits. They are therefore considered less risky by lenders than people with lower credit scores.