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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Chris and Chrissy Peplinski
Chris and Chrissy Peplinski
Chris, 37, is a stay-at-home dad; Chrissy, 35, is a sales manager at General Mills. They live in Rogers, Ark.
HIS SCORE: 813

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.

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Last updated August 26 2010: 9:54 AM ET
Source: All FICO scores are courtesy of Equifax, as of July 7.
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