What it takes to achieve a perfect 850 credit score:

The two sure ways I have witnessed:

Do what my boy Joey Kimbrough did and sue the credit reporting agencies for an 850 😂 you can see exactly how he did it here: https://www.courtlistener.com/docket/63389647/kimbrough-v-snap-on-credit-llc/ he and Brandon Joe Williams also did a YT video recently talking about that case and how it all happened. I’ve attached the link below. I highly recommend watching it.

2. Then there’s the good ol’ boy method of which requires:

• Oldest account: 21 years

• Payment history: 0 missed payments — ever

• Credit utilization: 1%

• Average age of accounts: 11 years

• Open accounts: 7 credit cards + 1 secured loan

• Interest-bearing debt: $0

• Hard inquiries (last 24 months): 3

The simple formula:

Build strong relationships with banks and lenders.

Use your credit consistently.

Pay it off early—every single time.