While it might "be exciting to aim for 850, the highest possible FICO score," achieving that milestone "really comes with no additional benefits," said CNBC Select. "For most people, a perfect credit score probably won't be worth it,

The CFPB estimates credit scores could jump by up to 20 points when medical debt disappears from reports. That impact can be substantial. The bureau has estimated that because of this rule, 21,882 more home mortgages could be possible each year for people who otherwise wouldn’t have qualified just because of medical debts.

There’s no need to pay anyone to “repair” your credit; you have all the tools you need to raise your FICO number.

How to find and improve your credit score

Afraid that you’re not in the good books of lenders? Not sure how to begin your Credit Score game? Relax, we’re here to help. Keep calm and read on.

Credit scores are a 3-digit number that represents your credit health. Whether you have a good score, bad score, or no score, there are actions you can take to boost your credit score, which can help you qualify for lending and credit cards and open other doors.