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

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 ...

FICO and VantageScore credit scores are the two most common types of personal credit scores. Business credit scores use ...

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 ...

If you’re planning to apply for a personal loan, your credit score is the first thing most lenders will check. It tells them ...

Every American knows how critical their credit score is. Or at least, they should. A high score unlocks a whole host of financial opportunities: Lower car payments, cheaper mortgages, or even approval ...