Does the perfect credit score exist?

Pursuit of excellence is often wise, but does “perfect” exist? Yes, says Craig Watts, the public affairs director for Fair Isaac. “Several thousand consumers do, in fact, have the highest possible FICO score.”

Though most people won’t reach the credit score apex, you can get close by consistently following three simple guidelines:

  • Pay all bills on time.


  • Keep credit card balances low.


  • Take on new credit only when you really need it.


Don’t obsess over small credit score variations. “Lenders decide what score they will accept for their best-interest-rate product,” assures Watts. “They genuinely don’t care if your score is 50 or 100 points higher than that.”

Clearly, A-plus credit has its advantages, but there is no reason to go overboard. Find a balance between attentiveness and fixation by understanding what those numbers can do for you and knowing how you can improve them. And remember: Credit scores gauge your borrowing history, not your value as a person.

This article was reported by Erica Sandberg for

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