A 900 credit score may be the highest on some scoring models, but this number isn't always possible. Only 1% of the population can achieve a credit score of 850, so there's a certain point where trying to get the highest possible credit score isn't realistic at all.
FICO® score ranges vary — either from 300 to 850 or 250 to 900, depending on the scoring model. The higher the score, the better your credit.
A credit score of 900 is either not possible or not very relevant. The number you should really focus on is 800. On the standard 300-850 range used by FICO and VantageScore, a credit score of 800+ is considered “perfect.” That's because higher scores won't really save you any money.
While achieving a perfect 850 credit score is rare, it's not impossible. About 1.3% of consumers have one, according to Experian's latest data. FICO scores can range anywhere from 300 to 850. The average score was 714, as of 2021.
A perfect score generally requires years of exemplary financial behavior, like making on-time payments, keeping a low credit utilization ratio, and maintaining a long history of credit accounts. A wide credit mix and only a few hard credit checks also play a role in boosting your credit score.
What percentage of the population has a credit score over 900? Only about 1% of people have a credit score of 850. A 900 credit score can be thought of as fairly unrealistic.
A credit score of 1,000 is not possible because credit scoring models simply do not go that high. According to Experian, some credit scoring models reach upwards of 900 or 950, but those are industry-specific scores that are only used by certain institutions.
According to FICO, about 98% of “FICO High Achievers” have zero missed payments. And for the small 2% who do, the missed payment happened, on average, approximately four years ago. So while missing a credit card payment can be easy to do, staying on top of your payments is the only way you will one day reach 850.
The base FICO® Scores range from 300 to 850, and a good credit score is between 670 and 739 within that range.
"The 850 FICO Score." Experian. "The Elusive 850: Experian Reveals Traits of Consumers With Perfect FICO® Scores."
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.
Excellent credit
VantageScore rates any score from 781 to 850 as Excellent. FICO calls its highest range Exceptional, and that applies to any score between 800 and 850.
According to a report by FICO, only 23% of the scorable population has a credit score of 800 or above.
The perfect credit score number is 850. The highest FICO credit score you can have is 850, and the highest possible VantageScore is 850, too. That said, anything over 800 is basically perfect.
Your score falls in the range of scores, from 800 to 850, that is considered Exceptional. Your FICO® Score and is well above the average credit score. Consumers with scores in this range may expect easy approvals when applying for new credit.
There's no universal number that indicates a good score because each credit agency uses a different scoring system. Experian, for example, uses a range from 0 to 999. A score of between 881 and 960 is good, between 961 and 999 your score is excellent.
Only about 1.6% of the 232 million U.S. consumers with a credit score have a perfect 850, according to FICO's most recent statistics.
As mentioned above, your business credit profile will include a collection of scores in addition to these, but they will give you an idea of how a small business lender looks at, and evaluates, your business credit. 80 – 100 (Good): A score of 100 means your payments come 30 days soon than your terms specify.
Less than 21% of people have a credit score over 800. A credit score of 800+ is considered perfect credit, indicates that a borrower uses credit very responsibly, and qualifies the person for the best loan and credit card terms.
It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.
Illion: Good – 500-699; great – 700-799; excellent – 800-1,000.
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.
FICO & Vantage both set the lowest possible credit score at 300. However, almost nobody has this low of a score. In fact, according to FICO, the average credit score in America is 704. A bad FICO credit score ranges from 300-579, while a bad Vantage score ranges 300-499.
So, given the fact that the average credit score for people in their 20s is 630 and a “good” credit score is typically around 700, it's safe to say a good credit score in your 20s is in the high 600s or low 700s.