Most of what you read in personal finance blogging tells you that you need a perfect credit score. While many of us think about credit scores as a quest for 850, there is really no need to have a perfect credit score.
People get new credit cards, mortgages and car loans every day. You will be hard-pressed to find someone get a new loan with a perfect credit score. The inquiry used to decide whether or not someone gets new credit alone would keep someone from having an 850 credit score.
To qualify for new credit, you simply don’t need a perfect score. A good credit score will do just fine.