What S The Highest Credit Score A Person Can Have

But even if you have pretty good credit habits don t be surprised if you check your scores and find that you re below 850. For both the vantagescore and base fico score models the lowest score is 300 and the highest credit score is 850.

Previously you must understand the background of Credit and get some What s the highest credit score a person can have references in other articles on this website.

There is only one perfect credit score.

What s the highest credit score a person can have. For most credit scoring models including vantagescore 3 0 and fico the highest credit score possible is 850. Out of 200 million consumers with credit scores the average fico score is 704. This score is exceptionally rare as less than 1 of consumers have this high of a score.

However any score over 740 is generally considered to be great and puts you in range for the best interest rates on things like credit cards mortgages and car loans. The highest credit score you can achieve under perfect circumstances is 850 using the fico model. While the highest credit score you can achieve will vary by scoring model the two primary credit scoring models a lender will use to judge your creditworthiness fico and vantagescore top out at 850.

Brad stevens of austin texas and john ulzheimer of atlanta. We were able to speak to two americans who belong to the exclusive fico 850 club. Introduction to understanding the highest credit score possible.

Fico scores range from 350 to 850 with anyone under 580 considered to have poor credit and anyone at 740 or higher considered to have very good or exceptional credit. Perfect credit scores can seem to be inexplicably out of reach. This may be an enticing goal for some but it may not be a realistic pursuit.

A perfect credit score is 850 specifically that s the highest fico score. Fico credit scores range from 300 to 850 and your score is based on information in your credit reports. Fico is the scoring model most commonly used to determine in part how trustworthy you are as a borrower and what kinds of terms lenders could extend to you.

It s also worth noting that even if you earn an 850 you.

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