How to Get 900 Credit Score

Achieving the perfect credit score of 900 is a mark of excellent financial discipline and smart credit management. To understand how to get 900 credit score, start by making timely payments on all credit card bills and loan EMIs, as even a single missed payment can harm your score. Automating your payments ensures you never miss due dates, keeping your financial reputation intact. Additionally, maintain a low credit utilization ratio—ideally under 30% of your total limit—to demonstrate responsible spending. Holding onto old credit cards helps build a long credit history, a key factor in boosting your score. Finally, limit hard inquiries by applying for credit only when absolutely necessary. By following these steps diligently, you can confidently work toward achieving the coveted 900 credit score.

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