[header] How to get a perfect credit score [title] Understand how credit agencies calculate your credit score. [step] Most agencies use payment history, types of credit, and a ratio of debt to credit in order to calculate a credit score. If you want to get a perfect credit score, it's important to understand the specifics of how your score is calculated. 
Use this information to monitor your behavior and help you reach your goal. [substeps] Each agency computes your credit score in a slightly different way.