Is an 850 credit score worth chasing? See why perfect credit does not unlock better deals than an excellent score -- and what matters more.

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

(THE CONVERSATION) With the cost of borrowing money to buy a home or a car inching ever higher, understanding who gets access to credit, and at what interest rate, is more important for borrowers’ ...