Can anyone explain how they got their credit score over 800?

[Billy Rogers]

I'm curious to know especially how the last 20 or 30 points were obtained.  If there was any advice you could pass along that would be useful to others.   I have good credit in the 770s but I would like to get it over 800.

[Cameron Skinner]

I wouldn't worry about the allusive credit score. It's designed for big banks and online institutions to make quick credit decisions for the average consumer who has 3 credit cards, a student loan, a house payment, and a car loan. My score is 640ish because I have multiple loans on multiple properties never late, several hard inquiries, because new rules on commercial loans require banks to pull your credit every year and I use several different small banks because I shop thier terms and price and have hit thier lending limits per customer on a couple. I also have and a municipality that sent me to collections on three separate utility bills less than $100 total because they sent bills and notices to property address not to my office. The algorithm the credit agencies use does not know how to deal with investors that have 30 or 40 mortgages. I recently got a 300k HELOC at 4% from a credit union with no problem even with a low score because they do "manual underwriting". The funny thing is I probably could not go rent a unit in a complex if they just go off credit score but I can easily get a loan to buy the whole building.

Most small bank's commercal guys know this and actually read the report and all but ignore the score.  Good luck!