- Between four and six revolving accounts (meaning credit cards).
- At least one "installment" tradeline (e.g., a mortgage or auto loan) in good standing.
- A few accounts around 20 years old with a long history of positive use. (To get into the 800 range, you need 10 years of positive account history.)
- Around 30 years of credit use.
- No late payments (or other account blunders) for at least the past seven years.
- Very few credit inquiries (no more than one to three in a six-month period).
- No derogatory notations -- collections, bankruptcies, or bad accessorizing. (Just kidding on that last one.)
- Debt levels on credit accounts of less than 35% of their overall credit limit.
Beauty Secrets of Credit Score Stars [Fool.com: Motley Fool Take] May 6, 2005: "Beauty is only skin deep. Particularly to your banker, who knows that it's what's in your credit file that really matters."