From CBS MoneyWatch:
If you're a smart consumer, you probably keep an eye on your credit score. At least one annual peek can tell you if your score is healthy enough to support a new mortgage or car loan, for example. Read more
You might also know that the scale tops out at 850. That begs the question: What do you need to do to achieve the highest score? And what number is actually good enough? After all, getting all the way to 850 is probably impossible, so is there an optimal number, beyond which you don't need to work to improve your score?
Although some strive for the perfect 850 FICO score, according to the article one can qualify for the best rates on loans, insurance, etc with a lower score.