Meet three couples who have nearly flawless FICO scores -- and learn which of their habits helped them get there.
HOW THEIR QUEST BEGAN: In 2002, when Chris applied for a mortgage, the loan officer commented on how good his score was. Chris soon made it his goal to get to an even better score: 850.
WHAT THEY'VE LEARNED: To keep their debt-to-credit ratios low. Seven years ago, Chrissy's credit cards were maxed out and her score was 466; now she has no credit card debt and scores 786.
THE PAYOFF: "A 0.9% interest rate on our car loan and 3.125% on our 5/1 adjustable-rate mortgage," says Chris.