Here's exactly what it takes to have an excellent credit score

It starts with paying every bill on time

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, but our reporting and recommendations are always independent and objective.LendingTree analysisPeople with excellent credit have an average of nine open accounts, a credit limit around $71,000, a credit utilization rate under 6%, and no record of late or missed payments in the past four years.

Perhaps the most telling characteristic of people with excellent credit is this: They haven't missed a single payment in four years of credit history analyzed by

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