Only one in four Americans has a credit score above 800, which is considered exceptional, according to industry data.

An 850 credit score won't get you lower rates. Here's what actually changes, what doesn't, and why perfect credit still matters.

Your credit score shapes every aspect of your mortgage terms, from your interest rate to your total repayment amount. Lenders ...

Discover how credit scores and credit reports differ, why each is important, and how they impact your financial life.

What is considered a good credit score depends on the type of credit score used. You have multiple credit scores, but the ...

Your score is constantly changing because lenders regularly provide new information about you to the credit bureaus. For ...

Regardless of what happens to the proposed credit card interest rate cap, a better credit score gets you access to better rates.

With a background in journalism and counseling, Penny Min blends analytical research with real-world insight to help readers make informed financial decisions. At Forbes Marketplace, she specializes ...

Some people doggedly pursue a perfect credit score: an 850. But they shouldn't. In this stock image, a bullseye is pictured. Getty Images April 13, 2014— -- There are some people in life for whom ...

Lindsay VanSomeren is a personal finance writer based out of Kirkland, Washington. Her work has appeared on Business Insider, Credit Karma, LendingTree, and more. Lindsay VanSomeren is a personal ...