What is the highest credit score in the country?

For both the VantageScore and base FICO® score models, the lowest score is 300 and the highest credit score is 850. 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.
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Has anyone got 900 credit score?

Is a 900 credit score possible? Depending on the type of scoring model, a 900 credit score is possible. While the most common FICO and VantageScore models only go up to 850, the FICO Auto Score and FICO Bankcard Score models range from 250 to 900.
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Has anyone gotten a 850 credit score?

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.
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How many people have an 847 credit score?

Membership in the 800+ credit score club is quite exclusive, with fewer than 1 in 6 people boasting a score that high, according to WalletHub data. Since so few people have such high scores, lenders don't split the 800+ credit score crowd into smaller groups that get separate offers.
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Who is the man with 850 credit score?

Jim Droske, 55, still uses the first credit card he ever opened: A Chase Sapphire Preferred® Card that he applied for in 1984 on campus at The University of Illinois at Chicago in exchange for a free box of Fannie Mae chocolates. Today, he has six credit cards and a perfect 850 credit score.
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How Anyone Can Get a PERFECT 850 Credit Score [2019]



How rare is 900 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.
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Is 800 credit score rare?

A credit score of 800 means you have an exceptional credit score, according to Experian. According to a report by FICO, only 23% of the scorable population has a credit score of 800 or above.
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How much is 900 credit score?

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.
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How rare is 830 credit score?

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. 21% of all consumers have FICO® Scores in the Exceptional range.
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How does someone get a 900 credit score?

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.
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Is A 900 credit score good?

Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.
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How accurate is credit karma?

Here's the short answer: The credit scores and reports you see on Credit Karma come directly from TransUnion and Equifax, two of the three major consumer credit bureaus. The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those bureaus.
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Does paying off car help credit score?

The bottom line. Ultimately, paying off your car loan early can both harm and help your credit score. You should expect a small drop when you first pay off your loan. But you will need to determine if it will improve your credit score over time before committing to an early payoff.
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Who has the highest credit score in America?

'Don't call me frugal': Meet the man with the highest credit score in America despite owning EIGHT credit cards and having an outstanding mortgage
  • Cleveland man Tom Pavelka, 56, has a credit score of 848 out of 850.
  • His rating 'ranks higher than 100 per cent of U.S. consumers'
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What is a good credit score to buy a house?

A conventional loan requires a credit score of at least 620, but it's ideal to have a score of 740 or above, which could allow you to make a lower down payment, get a more attractive interest rate and save on private mortgage insurance.
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What is the lowest credit score possible?

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.
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What is everyone's first credit score?

Instead, depending on how well you manage your credit, your first credit score might be around the 500 mark. The age of your oldest form of credit plays a role in your credit score. However, working on other aspects can even get your initial credit score to be around 700.
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Can I buy a house with a 830 credit score?

Buying a home with an 830 credit score

A credit score of 830 will generally qualify you for a lender's best interest rates. As a real-world example, the average 30-year fixed mortgage interest rate was just over 7% as of late October 2022.
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Does anyone have a 950 credit score?

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.
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What can an 800 credit score get you?

An 800-plus credit score shows lenders you are an exceptional borrower. You may qualify for better mortgage and auto loan terms with a high credit score. You may also qualify for credit cards with better rewards and perks, such as access to airport lounges and free hotel breakfasts.
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What raises credit score?

You can improve your credit score by opening accounts that report to the credit bureaus, maintaining low balances, paying your bills on time and limiting how often you apply for new accounts.
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Why is it so hard to get a 800 credit score?

It might also be hard to achieve an 800 credit score until you have a mix of credit under your name. We're not saying you should take out a mortgage or a car loan just to get your credit score over 800, but if the only credit accounts on your file are credit cards, you might struggle to reach that 800 credit score.
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How much of a home loan can I get with a 800 credit score?

You can borrow over $100,000 with an 800 credit score if you get a mortgage or a home equity loan. Keep in mind, the exact amount of money you will get depends on other factors in addition to your credit score, such as your income, your employment status and even the lender.
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How many people have 800 plus credit score?

What is the highest credit score? For most situations, 850 is the best FICO score possible. It's extremely difficult to reach a perfect credit score, though. Only 20% of Americans have a credit score of 800 or higher.
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