Oops, I Accidentally Got a Perfect Credit Score. And I Think I Figured Out How I Did It

Title: Accidental Perfect Credit Score Achieved Through Simple Change The article discusses how the author, who was not actively pursuing a perfect credit score, managed to accidentally achieve an 850 credit score. The key factor was a simple change the author made - closing an old credit card that they no longer used. By closing the unused credit card, the author's credit utilization ratio improved, leading to the unexpected perfect credit score. The article explains that credit utilization, or the amount of available credit being used, is a significant factor in determining credit scores. The author notes that they were not intentionally trying to maximize their credit score, but rather made the decision to close the unused card for personal financial reasons. However, this simple action resulted in the attainment of the elusive 850 credit score, which is considered the highest possible score. The article serves as a reminder that small financial decisions can have a significant impact on one's credit score, underscoring the importance of understanding the factors that contribute to a strong credit profile.