8 things you can learn from those with a perfect credit score:
Note that there are multiple scores you may be assigned. But the FICO score most commonly used by lenders–and the one your credit card issuer is likely to provide you for free or you can get for free from Discover’sOn this scale of 850, a score of 750 is considered very good and scores of 800 or above are considered excellent. In fact, according to FICO, as of last fall, a full 22% of those with credit scores were in the 800 plus club, and another 20% scored between 700 and 750.
Singletary dished to readers that the 850 FICO Score 8 she got listed her credit mix, length of credit, recent inquiries and her credit card utilization as positive contributors.1. Check Your Credit Reports Frequently Credit reporting bureaus like Experian, Equifax, TransUnion and specialty agencies are susceptible to error. A search of the Consumer Finance Protection Bureau’sturns up 12,300 complaints about incorrect credit bureau information. The top gripe was “information is not mine” followed by account status, account terms and public record. To be proactive against inaccurate information, check your credit reports at least once a year.Singletary hasn’t paid a bill late in the past seven years.
Though you may not be using an account, the lenders for that account will continue to report your positive relationship with them. If you find yourself itching to close a credit card account that took you forever and a day to pay off, consider cutting up the card and leaving the account open.Okay, those who strive for an 850 may be a tad on the perfectionist side.
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