I enjoyed this Yahoo! finance article, mostly for its acknowledgment of the futility of the goal:
What it Takes to Have a Perfect (or Near-Perfect) Credit Score - Yahoo! Finance
Ironically, the scores of my spouse and I went up after we stopped earning a paycheck. I wonder if Fair Isaac scores for ER, too...
What it Takes to Have a Perfect (or Near-Perfect) Credit Score - Yahoo! Finance
Approximately 0.5 percent of consumers reach the 850 mark, according to a 2010 estimate by the Fair Isaac Corporation, creator of the widely used FICO credit scores. Although chances are slim of climbing to the top of the 300 to 850 range, there are many people who have made it over the 800 hump. In fact, FICO released a report in April that found 18.3 percent of consumers have a score in the 800 to 850 range--the highest percentage since October 2008.
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For consumers looking to join the ranks of people with exceptional credit score scores, Fair Isaac revealed new information in November about the characteristics of credit-score "high achievers." According to the report, those with scores greater than 750 exhibit similar credit habits. They use 7 percent of their available revolving credit, their oldest credit account was opened an average of 25 years ago, and they have an average of seven credit cards, including both opened and closed accounts.
Ironically, the scores of my spouse and I went up after we stopped earning a paycheck. I wonder if Fair Isaac scores for ER, too...