Perfect Score
Like many, Lisa Ndiaye filled out an application for her first Visa credit card in college. Unlike most, she paid her bills on time, kept the balances low, and 20 years later, she still has the account. While this may seem like common sense, these actions, coupled with Ndiaye's diligent payment history on all of her credit accounts, lands her a near perfect credit score of 843–a distinction that only a marginal percent of the U.S. population boasts.