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It's great to have you here on the Clark Howard Show.

You know, our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life.

In this episode, I want to talk about being a perfectionist.

That's not something I am.

I want to talk about my obsession with credit scores, but when it is too

much of an obsession, and I want to talk about the opposite. When you're traveling somewhere,

and it's far from perfect, in fact, things kind of get all messed up. You have got to be your

own advocate. And we're going to talk about that. So there are people who we hear from from time to

time, and you'll hear me address questions on the podcast from people who are focused on getting

a perfect credit score, which is an 850 on the most respected scale. I don't have an 850. I've never

had an 850 that I know of and I track my score and that's what's important is to track your score and know

what it is but being perfect isn't necessary for most lending purposes to be a top top top what

is sometimes referred to as a golden borrower, you need a credit score

from the real scoring system, FICO, of 760 or 780. But a 760, even from somebody who considers

780 to be or above to be golden, 760 is fine too. Now my credit score on the vantage

system, which doesn't seem to me as stable as the FICO system, goes up and down like a yo-yo,

but within a range. Like right now, it's lower than I normally see it.

...