Is a perfect 850 credit score actually worth the effort? Here is the truth about what it saves you and where it doesn't matter at all.

Some people doggedly pursue a perfect credit score: an 850. But they shouldn't. In this stock image, a bullseye is pictured. Getty Images April 13, 2014— -- There are some people in life for whom ...

An 850 credit score won't get you lower rates. Here's what actually changes, what doesn't, and why perfect credit still matters.

If you've ever wondered who's rocking a perfect 850 FICO® Score, here's your answer: not many people. In fact, just 1.54% of Americans are in that elite club, according to Motley Fool Money research.