Elusive 850: How to Achieve the Perfect Credit Score – Is Victory Even Worth It??

Reading Time: 3 minutesTL;DR A perfect 850 credit score is rare, but not impossible. Only about 1.6% of Americans achieve it. To get there, you need flawless payment history, ultra-low credit utilization (under 5%), a long credit age, diverse credit types, and minimal hard inquiries. But is chasing an 850 worth it? In most cases,…