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.

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Leland Lim
Leland Lim
Leland Lim, 41, is a physician who lives near San Francisco.
HIS SCORE: 806

HOW THEIR QUEST BEGAN: In 2007, Lim started researching how refinancing his home-equity loan might affect his number -- and got hooked on the credit scoring mystery.

WHAT HE'S LEARNED: To be vigilant. He regularly scans his credit reports for errors, makes sure he doesn't have too many credit cards reporting balances, and stops charging before applying for new loans.

THE PAYOFF: "My wife thinks I'm crazy," Lim says. "But we got great interest rates on our car loans and our HELOC."

NEXT: Chris and Chrissy Peplinski

Last updated August 26 2010: 9:54 AM ET
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