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Dreaming of that sparkling 850 credit score? Turns out, it might be overkill.

While many see the 850 credit score as the crown jewel of financial trustworthiness, insiders are now dropping some unexpected wisdom.

Ted Rossman, a big shot at Bankrate, spills the beans: hitting the mid-700s, especially the cozy 740-760 nook, means you’re already rolling with the credit elite.

Anything higher? It’s less “more cash benefits” and more “look at me now!”

So, quick reality check: If you’re lounging in the 740-760 range, you’re likely snagging the best deals out there. If you’re still climbing? Every point’s a game-changer, especially when we talk mortgages. And knowing this? Well, that’s half the win.

Unlock the Credit Game’s Best-Kept Secret Here

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