The traits of those individuals with the highest FICO sores (north of 785).
“They’re not always debt-free: They average about seven credit cards, including both open and closed accounts, and have an average of four credit cards or loans with balances. One-third of “high achievers” have balances of more than $8,500 on non-mortgage accounts. The remaining two-thirds have total balances of less than $8,500.”
Traits of People With High Credit Scores | Realtor Magazine.