To be honest, you don’t NEED a perfect credit score to get ahead in life. As long as you pay your bills on time, keep your debt low, and monitor your spending, you should have a good credit score and have no problem getting approved for loans or mortgages. But, exactly HOW do you get a credit score of 850? It may seem completely unattainable, or even unreasonable to attempt it, but it is possible! Check out this post by Polyana de Costa at the Bankrate blog for one man’s story of his quest for the perfect credit score:
–Watch your score like a hawk
-Manipulate the balance and payment date on credit cards
-Avoid unnecessary inquiries
-Have a decent amount of credit
-Keep a small balance but not a zero balance
-Pay down the mortgage