📈 How To Build An 800 Credit Score in Just 90 Days ✅ Step 1: Remove all negative accounts & late payments using consumer protection laws. ✅ Step 2: Add a $2,000 (or more) secured loan and pay 90% of it off right away. ✅ Step 3: Add 2 authorized user tradelines with 10 years of history. ✅ Step 4: Add credit builder accounts like Rental Kharma, Credit Strong, or Ava. ✅ Step 5: Drop your overall credit utilization to 3% or less. ⚡ Do this right, and you’ll be well on your way to that 800 score. 👉