re: How to get FICO to 800?

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Unless you like rubbing one out to creditkarma every morning

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I don't know him IRL, but I'm betting he's going for something along these lines.

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Why? 770 or 800, you’re going to get the same interest rates and perks of a great score.

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My score hovers around 840 and I've found this to not really be the case.

True, when I was at 750 I never had to worry about being denied for a new credit line. But at 840 I can pick up the phone and borrow much larger sums. Also, lenders aren't charging me for credit risk, they're charging vendors for doing business with me and ship me a rebate for the privilege.

Automatic upgrades to first class if there's a seat available? Yup. I get to skip the security lines too, for free. Put another way - at 750 nobody denied me a loan. At 840 major banks are stumbling over themselves trying to lend me money and are willing to give me some perks to do so.

To answer the OP though, time and multiple credit lines (revolving vs. installment) help.