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What really happens when your credit score hits 850
Achieving a perfect 850 FICO score is an elite status held by fewer than 1% of U.S. consumers, according to recent analyses of credit data. For context, the average American credit score stands at 717 ...
Only a tiny slice of Americans ever see a perfect 850 credit score, yet the habits that get them there are surprisingly consistent. I look at reporting that finds Only 1.76% of Americans hold an 850 ...
Only 1.76% of Americans have a perfect 850 FICO® Score in 2025, according to Motley Fool Money research and Experian data. And honestly, that tiny percentage says everything. Hitting perfection takes ...
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