While having a perfect 850 credit score may be impressive, you do not necessarily need it to secure the best deals.Once you hit 740 you are considered to have an excellent credit score for credit cards, auto loans and other non-mortgage products, according to Ted Rossman, senior industry analyst at . 'For mortgages, I would say the cut-off is 780,' he told . 'After that point, I would definitely continue to practice the good habits that lead to a strong credit score, but I wouldn't obsess about perfection.'
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