The highest credit value (under optimal circumstances) you can obtain is 850 using the FICO model. Any score more than 740 is widely regarded as excellent and places items, like credit cards, mortgages, and car loans at the best interest rates.

In the most widely used scales, the average loan value is 850. Yet you still won’t keep it month after months even though you get the highest credit score. Scores fluctuate, as it’s a credit profile snapshot. In FICO and its rival, VantageScore, the most commonly used scores are 300-850.


You may be wondering if obtaining a credit score of 850 is achievable. Read on to find out in this article!

Can You Really Achieve the Highest Credit Score?
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Why Do You Need to Understand This Concept?

Unless you are like other citizens in the United States, your credit score dropped below 621. In reality, 38 percent of those under 30 have less than 621. You can see from the diagram below.

With an average score of 621 to 680, 29% of people under 30 are a little better. When you know that only 2 percent of the individuals in this age group currently achieve a 780 or higher score, it is clear that if the “best credit score” is the target, there is plenty to change.


Knowing the credit spectrum and the highest credit score will inspire and give you the information required to increase your credit score, thereby boosting the financial capacity for better interest rates, all from credit cards to mortgages.

How Does This Work?

While there are various credit ratings, the Gold Standard that financial institutions use to determine whether they lend money or offer consumer credit is your key FICO (Fair Isaac Corp). In reality, your FICO scoring is not single.

You have one from each of Experian, TransUE, and Equifax three credit reporting agencies. The report from this credit office is the sole source for each FICO ranking.

However, your main score is the mid-score from three credit agencies, which may have slightly different data—the score for each of FICO ‘s 50 different scoring models.

You have a FICO ranking of 750 with a ranking of 720, 750 and 770. Your credit reports must also be taken into account, as they are known to be somewhat specific in three numbers.

What’s the Range?

FICO scored 300-850 for the most well-established selection. Anything higher than 700 is considered useful in general. FICO also provides FICO ratings for the industry, such as credit cards or auto loans from 250 to 900.

Many FICO versions are available, and FICO 9 is the latest. Hypothecary borrowers prefer to use older versions of FICO ranking. Here are FICO’s fundamental credit score ranges listed below.

  • Exceptional Credit: 800-850
  • Very Good Credit: 740-799
  • Good Credit: 670-739
  • Fair Credit: 580-669
  • Poor Credit: Under 580

How Do You Get the Highest Score?

When it comes to your reputation, throw out your perfectionist ways. Although a perfect score of around 850 is theoretically possible, it probably doesn’t happen statistically.

Nevertheless, less than 1 percent of all customers will still see an average of 850. If they do, they will definitely never see it as long as the FICO ratings of the credit agencies are continually being recalculated.

And, you can’t really say what affects your credit score with utter certainty. FICO states that 35% of your payment history and 30% of your debt (credit use) score depend on your payment history.

The length of the credit history is 15%, and the combination of accounts and new credit requests is 10%. Obviously, each of these categories is broken down even further when measuring the score and FICO does not explain how this works.

Don’t Worry About Getting the Perfect Score

Can You Really Achieve the Highest Credit Score?

The credit agencies that create loans can also change the way they calculate them – occasionally to your benefit. For example, recently, there was a change in the weight of medical bills, tax liabilities, and civil decisions.

You don’t have to worry about the 850 stage. If you want to try to do it, pay all of your bills on time, remove almost all of your debt (other than a mortgage) and use just over 7% of the credit available in all the accounts on average.


It is good to have a perfect or nearly perfect ranking, but it does not mean that less than 1% of the people will earn it with honor.

When your score is above 780, lenders find that your credit risk is low. You will get the best rates and have a “yes” on any loan that suits your income level accordingly.