People with an 850-credit score share some similarities. Here are some common features and statistics per a FICO Study on Understanding the 850 Credit Score.nnLong Credit History: Credit history refers to how long your accounts have been open. People with a credit score of 800-850 have an overall account age of 10.5 years. The average oldest account for 850 scorers is 30 years.nnLow Credit Utilization: Members of the perfect score club use credit but at a much lower credit utilization ratio than most people. The average credit utilization rate for people with a perfect credit score is 4.1%nnPerfect Payment History: The most crucial factor for a credit score is having a proven track record of timely payments. It makes sense since creditors want to know you'll be responsible for making your payments on time and in full. People with perfect credit scores don't miss payments.nnFew Recent Inquiries: People with perfect credit typically don't have any new inquiries less than a year old. While some open new accounts, the majority don't.