Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, but our reporting and recommendations are always independent and objective.LendingTree analysisPeople with excellent credit have an average of nine open accounts, a credit limit around $71,000, a credit utilization rate under 6%, and no record of late or missed payments in the past four years.
Perhaps the most telling characteristic of people with excellent credit is this: They haven't missed a single payment in four years of credit history analyzed by
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