How Do I Get a Perfect Credit Score of 900?

Having a credit score of 900 shows that you have been repaying your loans and credit card bills on time. Indicators such as debt-to-income (DTI) ratio and credit utilisation ratio (CUR) could be used for calculating your credit score.

Your debt-to-income ratio is calculated by dividing your monthly debt repayments by your monthly income. Your credit utilisation ratio is calculated by dividing your total utilised debt by the full revolving debt made available to you.

Having a low DTI ratio and a low CUR can have a positive effect on your credit score and is considered favourable by lenders. A low DTI shows that you are using a small portion of your income to repay debt. A low CUR shows that you are using a small portion of the full revolving debt available to you.