When my husband and I applied for a home equity line of credit recently, the bank checked our credit scores. Lenders typically do this to determine how much of a credit risk you are, how much they're willing to lend you and what interest rate you'll pay.
As we were signing our closing papers, the loan officer commented that I had the highest credit score she had ever seen. It was 833. That's just 17 points shy of a perfect 850 credit score — a humble brag, I know.
Honestly, though, I'm not an anomaly. Nearly 21 percent of U.S. consumers have a FICO credit score of 800 to 850 — which is considered exceptional, according to FICO. So it's not impossible to have a score above 800, or even a perfect 850.
Get advice from people who have perfect — or near-perfect — scores to find out how you can too.
Click through to find out how to get the highest credit score possible.