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The highest credit score you can have on the most widely used scales is an 850. For common versions of FICO and VantageScore, the scale ranges from 300 to 850 and lenders typically consider anything above 720 excellent credit.
Even if you succeed in getting the highest credit score possible, you're unlikely to keep 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 the VantageScore 3.0 are both on a . Credit scoring company says about 1% of its scores reach 850. spokesman Jeff Richardson says fewer than 1% of its credit scores are perfect.
The way people get perfect scores is by practicing good credit habits consistently and for a long time. As you might expect, older consumers are more likely to have high scores than younger ones.
But scores fluctuate because they are a snapshot of your credit profile. Even if you succeed in getting the highest credit score, you’re unlikely to keep it month after month.
You don't need a perfect credit score to get the best deals. A score of 720 or higher is generally considered excellent. And scoring 800 or above qualifies you for the best terms offered.
That’s pretty great news if you aspire to get into the group of people who have top-tier credit but you don’t want to obsess over every single point in an effort to get the highest score possible.
According to FICO, those who achieve ultra-high credit scores pay on time, use credit lightly, have a long credit history and rarely open a new account. Here’s what they tend to have in common:
If you really, really want to fight for every possible point, we have some strategies that can help: