We remain open in this unpredictable time. The stress of these times can be a lot to handle, and our goal is to keep our intake process as smooth and stress free as possible. Our initial consultations are not face to face and we will continue to receive intake inquires though our website, by telephone (800-817-0461 ext. 3) and e-mail. We will also receive documentation through e-mail, by mail, or fax. Of course, we will accommodate your particular needs if we are able and are happy to address any questions or concerns you may have during this time. Please contact us at 800-817-0461 or here for your free case review.

The Perfect Credit Score

Ever wonder what it would take to have a PERFECT credit score? Actually, Fair Isaac Corporation, creator of the FICO credit scoring system (maximum score = 850), is on record stating that a perfect score is impossible. Apparently the best you can reasonably hope for is 820 to 840. Approximately 1% of the population is in the 840 range. Who are these people and what does their credit look like? Here’s what their credit history generally looks like:

* a very long history of credit use (something like 30 years!)

* a few accounts with about 20 years of positive credit use
* at least one installment loan (mortgage or auto loan) in good standing
* between four and six revolving accounts (credit cards) in good standing, with balances less than a third of the credit limit
* no late payments (more than 30 days past due) in the last seven years

* nothing derogatory, like a bankruptcy, a collection account or the purchase of a Chia Pet (just kidding on that last one!)

* and very few credit inquiries, less than three in any six month period.

The bottom line is, you don’t really need a perfect credit score. In my experience, any score in the high 700’s or the 800’s will get you the best rates on any credit you might need.