First of all it's just a fluke that this guy is at the top. He obviously didn't lose his job in the recession nor did some other problem create havoc for his financial situation. Good for him. However there are people that don't have a mortgage, pay cash and have good retirement savings that have a much lower score. Credit scores are arbitrary otherwise your score would be exactly the same at all three reporting agencies. Anybody with a credit score above 700 shouldn't lose any sleep over it. Anything over 750 is very good.
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