Pull out fact: Sometimes all it takes is a single missed payment to knock more than 100 points off your credit and put you as high-risk

Bettering your credit score is the ultimate goal. Striving for excellence is great, but one expert says it’s unnecessary to have a perfect score, and maybe even unattainable. “It’s important to understand that if you have a FICO score above 760, you’re going to be getting the best rates and opportunities,” said Anthony Sprauve, director