What Sets Top Credit Scores Apart From the Rest?

Bottom Line A whole range of different factors contribute to your credit score, and there's no magic formula to a perfect credit score. Still, there's plenty to learn from the experiences of others. Beyond simply having the patience to build a credit file complete with a high number of active accounts and a lengthy credit history, managing your credit file also requires diligence, active concern and measured caution. As you work to improve your credit health, seek out educational resources that can help you make the best decisions for your personal situation. *Data collected in September 2014 based on the most recently available reports of 2,079,070 Credit Karma members with scores above 750 and 3,720,570 members with scores between 650 and 700. **We've defined scores over 750 as "excellent" and scores between 650 and 700 as "fair" for the purposes of this article. What constitutes an "excellent" or "fair" credit score can vary based on the specific scoring model, economic conditions, what the score is being considered for and many other factors.