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Mr Gibson you have a 900 credit score, The highest credit score you can get is 800. Unless they changed it overnight.

— Secrets (@SS15546277) October 29, 2018

Do you know what your highest credit score is, When was the last time you checked it, If it's been a while you may want to consider pulling it again, but not from a loan officer because that is what is considered a hard pull. A hard credit pull will deduct points from your report.

1. If nothing happens or you get no response - send a second letter requesting an investigation


2. Begin a log of correspondence


3. Give it 30 more days or 45 days if you provide additional information)


4. If you still get no response - contact the FTC (Federal Trade Commission)


5. Give it 30 days


6. Send a letter to the credit-reporting agency disputing the error


7. Order or request your credit report. (You are entitled to one FREE credit report per year.)


8. Review your credit report

But if you have the highest score or even an excellent score, you will also get low interest rates and premiums. Lenders and financial institutions love to do business with people who have an excellent credit rating. The high score only shows that the person is a responsible payer. People with excellent credit standing are considered as low risk based on their high credit score. • If you are going to rent an apartment, it will be easier for you if you have a good credit score.

There are many ways to establish credit that are available to build the highest credit score. Some include servicing the debt of a vehicle loan and making a mortgage payment, but the most common and easiest way to build personal credit is to use a credit card. When you first receive a credit card there are many rules you must understand such as servicing the debt, and that you should not charge up more credit than you can afford to pay back.

This is shocking to many but it's true.

A big untold secret comes from the tip to always pay down your credit card every month. This is only partially true. It is important to service you debt every month and pay off the minimum payment but you must actually keep debt on your card! This is shocking to many but it's true. The more you can show lenders that you can handle debt, the more responsible and credit worthy you are perceived. If you're going after the highest credit score, you'll want to use this helpful time regularly.

If you do have the a high score, then you can plan your next loan or credit application. If you are seeking for a job, your credit score will help you land on that job in no time. What if your score is low, You still have a chance. It is not the end of the world. There are many ways to get from where you are on the scale to where you need to be. Having a good score can increase your chances of getting hired. Best risk category. Having the highest score will land you in the best risk category. Being under this category will give you loan approval at your preferred interest rate. Best credit limit. There is only one thing most people look for in a credit card application. This is the credit limit. A larger credit limit is given to applicants with the highest credit score. Getting the highest credit score gives nothing but the best of what is being offered.