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850 FICO: Do you really need the highest credit score?

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While many people struggle to improve their credit scores, there are some super prime consumers who have earned a perfect credit score of 850. The higher your credit score, the better terms you’ll get on loans and perks on your credit cards. But do you really need the highest credit score possible to get the best loan interest rates and credit card benefits? And what steps can you take to improve your credit score?

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