Nearly one-quarter of consumers (23%) have scores over 800 , according to Experian UK:EXPN EXPGY data. Credit scores reflect a person’s payment history, not their income — but higher-income households generally have higher credit scores because there’s more money for bills.Consumers with credit scores of at least 800, which is considered excellent, might see some scaling back of their points programs, but the offers and enticements would stick around, said Tod Gordon, a senior advisor at Klaros Group, an ad ...