Highest FICO Score
What Is the Highest Achievable FICO Score?
Your highest credit score is 850 on the most used scales. For the general version of FICO and VantageScore, the scale ranges from 300 to 850, and lenders generally consider the best credit above 720.
Even if you manage to get the highest credit score possible, you are unlikely to maintain it month after month. Scores fluctuate because they are a snapshot of your credit profile, which changes over time.
The widely used FICO 8 scoring model and VantageScore 3.0 are both 300-850 scales. Credit scoring company FICO says about 1% of its scores reach 850. VantageScore spokesman Jeff Richardson says less than 1% of its credit scores are accurate.
The way people get the best scores is to follow good credit habits consistently and for a long time. As you might expect, older users are more likely to score higher than younger ones.
But scores fluctuate because they are a snapshot of your credit profile. Even if you manage to get the highest credit score, you are unlikely to maintain it month after month.
What are the benefits of having a high credit score?
Thankfully, you don’t need a perfect score to qualify for some of the best rates on loans and mortgages. Scores in the 700s can qualify you for great interest rates from lenders. Get your score anywhere above 760 and you will probably be offered the best rates in the market.
Why like this? This is because banks and credit card companies pay less attention to the specific numbers on your credit reports and are more concerned about the wide range of credit scores where your scores fall.
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