I get an email every time my FICO credit score changes. This week, I finally checked it for the first time in months. 847. After years of hovering around 835, I was suddenly three points away from perfection. Naturally, I ran to tell my wife because we're just competitive enough to compare credit scores. Unfortunately for me, she's one of the fewer than 2% of Americans with a perfect 850, so I never win. Apparently an 847 credit score still loses in my house. When I look at o