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Once you hit this credit score, going higher is a 'waste of time,' expert says

Yoni Blumberg

A 56-year-old government employee from Cleveland named Tom Pavelka had the " highest credit score in America " in 2012, the Daily Mail reported at the time. What might a score of nearly 850 have awarded him? The same things you get with any score in the excellent range and not much else, experts say, besides 15 minutes of fame, of course.