How high can a credit score get?

Asked by: Josie Stokes  |  Last update: February 9, 2022
Score: 4.7/5 (40 votes)

It's considered the unicorn of the financial world: a perfect credit score, the highest number a consumer can achieve within a credit scoring system. For the FICO® Score , one of the most commonly used credit scoring models, that mythical and seemingly impossible figure is 850. (FICO® Scores range from 300 to 850.)

Can you have a 900 credit score?

FICO® score ranges vary — they can range from 300 to 850 or 250 to 900, depending on the scoring model — but higher scores can indicate that you may be less risky to lenders.

Is it possible to get a 850 credit score?

An 850 FICO® Score is nearly perfect. You still may be able to improve it a bit, but while it may be possible to achieve a higher numeric score, lenders are unlikely to see much difference between your score and those that are closer to 850.

Is 790 a good credit score?

Your FICO® Score falls within a range, from 740 to 799, that may be considered Very Good. A 790 FICO® Score is above the average credit score. Borrowers with scores in the Very Good range typically qualify for lenders' better interest rates and product offers.

How high can a person's credit score go?

Most credit scoring systems use a scale that ranges from 300 to 850. There are, however, some credit scoring models that go up to 900 or 950, including industry-specific scores used by certain institutions. Working your way up to an 850 credit score might sound appealing, but it isn't necessary.

HOW TO GET A PERFECT 850 FICO CREDIT SCORE IN 2021! ?

31 related questions found

Is a 810 credit score good?

Your 810 FICO® Score falls in the range of scores, from 800 to 850, that is categorized as Exceptional. Your FICO® Score is well above the average credit score, and you are likely to receive easy approvals when applying for new credit. 21% of all consumers have FICO® Scores in the Exceptional range.

Is 935 a good credit score?

A score of 961-999 is considered excellent (reference: https://www.experian.co.uk/consumer/guides/good-credit-score.html). ... A credit score of 566-603 is considered fair. A credit score of 604-627 is good. A score of 628-710 is considered excellent (reference: https://www.finder.com/uk/transunion).

Can I buy a house with 735 credit score?

A 735 credit score is considered a good credit score by many lenders. “Good” score range identified based on 2021 Credit Karma data. With good credit scores, you might be more likely to qualify for mortgages and auto loans with lower interest rates and better terms.

What can I do with 700 credit score?

What a 700 credit score can get you
  • Car loans. According to a 2021 report released by credit bureau Experian, nearly 65% of cars financed were for borrowers with scores of 661 or up. ...
  • Home loans. ...
  • Credit cards. ...
  • Personal loans. ...
  • Payment history. ...
  • Credit utilization. ...
  • Length of credit history. ...
  • Credit applications.

Can you get a home loan with 700 credit score?

A 700 credit score meets the minimum requirements for most mortgage lenders, so it's possible to purchase a house when you're in that range. ... A credit score of 700 also might not qualify you for the best interest rate on your mortgage loan, you may still want to work on improving your credit scores to save on interest.

Is 784 a good credit score?

A 784 credit score is Very Good, but it can be even better. If you can elevate your score into the Exceptional range (800-850), you could become eligible for the very best lending terms, including the lowest interest rates and fees, and the most enticing credit-card rewards programs.

Can I buy a house with 726 credit score?

A 726 credit score is considered a good credit score by many lenders. “Good” score range identified based on 2021 Credit Karma data. With good credit scores, you might be more likely to qualify for mortgages and auto loans with lower interest rates and better terms.

Is 816 a good credit score?

A FICO® Score of 816 is well above the average credit score of 711. It's nearly as good as credit scores can get, but you still may be able to improve it a bit. More importantly, your score is on the low end of the Exceptional range and fairly close to the Very Good credit score range (740-799).

Is 239 a good credit score?

We provide a score from between 0-999 and consider a 'good' score to be anywhere between 881 and 960, with 'fair' or average between 721 and 880.

Is 874 a good credit score?

An 874 credit score is excellent.

Is 868 a good credit score?

An 868 credit score is excellent.

Can I buy a house with 715 credit score?

A 715 FICO® Score is considered “Good”. Mortgage, auto, and personal loans are relatively easy to get with a 715 Credit Score. Lenders like to do business with borrowers that have Good credit because it's less risky.

How much can I borrow with a 800 credit score?

The average mortgage loan amount for consumers with Exceptional credit scores is $208,977. People with FICO® Scores of 800 have an average auto-loan debt of $18,764.

Is 699 a good credit score?

A 699 FICO® Score is Good, but by raising your score into the Very Good range, you could qualify for lower interest rates and better borrowing terms. A great way to get started is to get your free credit report from Experian and check your credit score to find out the specific factors that impact your score the most.

Is 747 a good credit score?

A 747 credit score is Very Good, but it can be even better. If you can elevate your score into the Exceptional range (800-850), you could become eligible for the very best lending terms, including the lowest interest rates and fees, and the most enticing credit-card rewards programs.

Is a 736 credit score good?

A 736 FICO® Score is Good, but by raising your score into the Very Good range, you could qualify for lower interest rates and better borrowing terms. A great way to get started is to get your free credit report from Experian and check your credit score to find out the specific factors that impact your score the most.

Is a 630 credit score good?

Your score falls within the range of scores, from 580 to 669, considered Fair. A 630 FICO® Score is below the average credit score. Some lenders see consumers with scores in the Fair range as having unfavorable credit, and may decline their credit applications.

Is 786 a good credit score?

Your FICO® Score falls within a range, from 740 to 799, that may be considered Very Good. A 786 FICO® Score is above the average credit score. Borrowers with scores in the Very Good range typically qualify for lenders' better interest rates and product offers.

Is 813 a good credit score?

A FICO® Score of 813 is well above the average credit score of 711. It's nearly as good as credit scores can get, but you still may be able to improve it a bit. More importantly, your score is on the low end of the Exceptional range and fairly close to the Very Good credit score range (740-799).