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In order to get a credit score of 850, one has to do the following:

* Have carried (and paid off) an auto loan and a mortgage loan

* Only have one (1) credit card which is used on a monthly basis but does not get used beyond 20% of the maximum credit line (around credit reporting time)

* Have lived at the current address for more than five (5) years

* Have worked at the current employer for more than five (5) years

* Have never missed a payment, charged off a loan or ever been late

* No bankruptcy

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14y ago

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