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Simple. Thrifty. Living.: What Is the Optimal Credit Score?
Truthfully, the highest credit score is not the score you should be shooting for. The whole point of a credit score is to get you the best rates and credit limits when you are applying for loans and credits. While it seems like the highest score would get you the best rates, you actually don't even need to aim that high. What Is the Best Credit Score You Can Receive? The best credit score you can get on the FICO scale is a 850, but that score is near impossible to attain. You would need to have the perfect storm of credit utilization (probably zero balances with very high credit limits), a long spotless credit history, and no negative marks on your credit report, which is nearly impossible. And even with all of those factors, 850 can still be unattainable. So what score should you be shooting
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