Building excellent credit is a journey that varies greatly among individuals, with some reaching an 800 score in just months while others take years. The author shares their personal experience of going from no credit in 2019 to achieving an impressive score by 2024. They highlight the significant benefits of having excellent credit, which include better loan terms, lower interest rates, and access to premium credit card rewards. The article emphasizes the importance of maintaining responsible credit habits even after reaching an excellent score, such as timely payments and keeping credit utilization low. It also offers practical advice for leveraging excellent credit, such as refinancing high-interest loans, opening better credit cards, and requesting credit limit increases. The author stresses that the journey to excellent credit requires ongoing discipline and a commitment to financial responsibility, as habits formed during the credit-building process are crucial for maintaining a high score.
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