Fair Isaac reveals techniques of those with highest credit scores

by Scott Bilker

Scott Bilker is the founder of DebtSmart.com and author of the best-selling books, Talk Your Way Out of Credit Card Debt, Credit Card and Debt Management, and How to be more Credit Card and Debt Smart. Receive the 5-Year Loan Spreadsheet when you subscribe to his email newsletter.

Fair Isaac is the creator of the most used FICO score. This graphic shows you what you need to do to keep your credit score high. I have 40+ credit cards and a FICO score of 803, which is counter intuitive unless you understand that how you manage your credit accounts is the most important factor in having a high score.