How More Americans Are Getting a Perfect Credit Score
“Super-Prime” consumers are gaming the system in their pursuit of a golden 850 rating.
It took Stan Kelman three years of monitoring and tinkering to muscle his wife’s credit score to a perfect 850. “It’s a personal achievement,” says the 44-year-old business analyst and data scientist. “I’m very proud of it.”
Anna, his wife, let him direct the strategy for managing her accounts—whether to apply for new credit, when to ask for higher limits, how much of those limits to draw on. Her husband, a self-described credit card-obsessive, was also working on his own record. Six months ago, when some big credit blemishes finally dropped off his report, his score reached as high as 842. Within a year, Kelman thinks he can reach 850, too.