800 club: Couples with perfect credit

Meet three couples who have nearly flawless FICO scores -- and learn which of their habits helped them get there.

1 of 3
BACKNEXT
Dick and Brenda Husemann
Dick and Brenda Husemann
Dick, 66, is a retired Air Force Officer; Brenda, 69, is a retired teacher. They live in Wilmington, N.C.
THEIR SCORE: 818

HOW THEIR QUEST BEGAN: Earlier this year, Dick signed up for a credit-monitoring service after the couple were victims of credit card fraud. "We knew our scores were high," he says. "But this helped us track them."

WHAT THEY'VE LEARNED: To never exceed 10% of their available credit and to zero out their card balances each month. "We pay things off religiously," says Brenda.

THE PAYOFF: A 4.75% rate on their home refi last year, plus bragging rights. "I may not be handsome or smart, but my credit score is higher than most of the population's!" says Dick.


NEXT: Leland Lim
Last updated August 26 2010: 9:54 AM ET
More Galleries
Most 'one percent' moments of 2014 This year was all about more money, more problems. Here's a look at the trials, tribulations and triumphs of the 1% over the last year. More
6 products to keep the skies friendly Plane travel can be stressful, especially during the holidays. These things can help keep the peace among travelers. More
2014: Helluva good year for stocks The bull market has been going for 2,115 days. If you put you're money in stocks, it's been a very happy year. More

Special Offer

Most stock quote data provided by BATS. Market indices are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer.

Morningstar: © 2014 Morningstar, Inc. All Rights Reserved.

Factset: FactSet Research Systems Inc. 2014. All rights reserved.

Chicago Mercantile Association: Certain market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved.

Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S&P Dow Jones Indices LLC and have been licensed for use to S&P Opco, LLC and CNN. Standard & Poor's and S&P are registered trademarks of Standard & Poor’s Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. All content of the Dow Jones branded indices © S&P Dow Jones Indices LLC 2014 and/or its affiliates.