An 850 credit score won't get you lower rates. Here's what actually changes, what doesn't, and why perfect credit still matters.

Is a perfect 850 credit score actually worth the effort? Here is the truth about what it saves you and where it doesn't matter at all.

I don't have a perfect credit score. The FICO scoring model tops out at a "perfect" score of 850, and the closest I've ever come to it is around 810. As of mid-2024, my score is in the upper 700s. One ...

For a three-digit number that's generated by a semi-secret formula, credit scores can have an enormous impact on our lives. An excellent credit score like 780 is like a golden ticket that can open all ...

The difference between a “good” and an “excellent” credit score may look small, but when you are taking a home loan, it can quietly decide how much you pay for the next 20 years.