J.R. Whalen

speaker

37,077 appearances 1,141 recordings 1 series first heard Sep 2017 last heard Jan 2025

J.R. Whalen’s voice in public audio — every appearance, attributed to the second.

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is 717.

So what does it take to boost your score to a perfect 850?

It's become an everyday obsession for some Americans, including one man who spoke to our reporter Amani Moise.

So what happens when you reach a perfect credit score?

It doesn't really matter.

Amani will join us to go through the numbers after the break.

The credit reporting firm Experian says about 1.5% of consumers have a perfect credit score.

How much does hitting that milestone really matter?

Wall Street Journal reporter Imani Moise checked in with a Texas man about that, and she joins me.

Imani, you spoke with Steve Michel, who achieved a perfect score.

Why was that important to him?

How long did it take him?

At one point, his score was already in the 840s, nearly perfect.

What more did he have to do to push it to 850 and then keep it there?

When someone's score hits 850, what happens?

Is there any significant change in their credit profile?

What's the takeaway from most other people whose goal it is just to keep up with their bills?

You mentioned that it doesn't make much of a difference if someone's score falls from 850 to 800 or even down to 750.

But what would happen if someone's score falls below 750?

What changes might they see?

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