I Had a Perfect Credit Score. Here’s How I Got It.

For a few precious weeks last year, I had perfect credit.

Sometime over the summer, I clicked on one of those credit update links, signed in and beheld the magical digits: 850.

I had never had perfect credit before, and I may never have it again. A month or two later, my score dropped back into the 820 range: exceptional, but not perfect.

Perfect credit, and even “exceptional” credit, opens doors for American consumers: Lower interest rates on loans. Better odds of renting an apartment or landing a job. Lower insurance premiums.

Roughly 1.8% of Americans have a perfect FICO credit score, The Motley Fool reports. People with perfect credit tend…

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