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Credit expert Clark Howard: 'You’re crazy if you obsess with an 800 or 850 credit score'

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Summary
Nutrition label

79% Informative

Clark Howard , a prominent consumer finance expert, author and radio host, challenges the conventional wisdom that striving for an 800 credit score (or higher) is a wise financial goal.

Howard argues that achieving such a high score may not provide substantial additional benefits compared to scores in the high 700s .

The time and effort dedicated to achieving and maintaining an 800 might be better spent on other aspects of financial well-being.

Howard challenges the notion that striving for an 800 credit score is a universally sound financial objective.

He says that a quarter of Americans are “stuck” at a score in the upper 700s , which is considered a respectable number to achieve.

Howard argues that achieving a high score of 800 or more may take time and may not yield substantial additional benefits.

VR Score

82

Informative language

83

Neutral language

61

Article tone

semi-formal

Language

English

Language complexity

55

Offensive language

not offensive

Hate speech

not hateful

Attention-grabbing headline

detected

Known propaganda techniques

not detected

Time-value

long-living

External references

13

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