825 Credit Score (2024)

An 825 credit score is a perfect credit score. Despite being just shy of the highest credit score possible (850), a credit score of 825 qualifies as perfect because improving your score further is unlikely to save you money on loans, lines of credit, car insurance, etc.

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.

Key Things to Know About an 825 Credit Score

  • Credit Rating: 825 is an excellent credit score, which is even better than a good score. You can even classify an 825 credit score as being perfect.
  • Borrowing Options: All borrowing options are available, and the terms are likely to be very attractive. For example, you should be able to qualify for the best credit cards and the best personal loans.
  • Best Way to Improve an 825 Credit Score: Reducing the credit utilization on your credit card accounts could quickly boost your score. You can also check out your WalletHub credit analysis for personalized tips.

Below, you can learn more about what an 825 credit score gets you, how you can get one if you’re not already in the 800+ credit score club, and whether 850 is a worthwhile goal.

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What Does an 825 Credit Score Get You?

With an 825 credit score, you are well-positioned to qualify for any financial product, from the best credit cards and personal loans to the best auto loans and mortgages.

An 825 credit score doesn’t guarantee you approval, however, because your income and existing debt obligations matter, too. But your odds of success are extremely high.

To give you an idea of the possibilities, we’ve put together a list of popular credit card offers available to people with an 825 credit score.

Popular Credit Cards for an 825 Credit Score

The best credit cards typically require good or excellent credit for approval, which means someone with an 825 credit score has a very good chance of qualifying. The trick is finding the right card for your needs.

You should compare credit cards with rewards if you plan to use your card for everyday purchases that you can pay off by the end of the month. If you’re planning big-ticket purchases or a balance transfer that will take months to pay down, compare credit cards with 0% introductory APR offers.

How to Get an 825 Credit Score

If you’re not yet a member of the 800+ credit score club, you can learn how to join by checking your free personalized credit analysis on WalletHub. We’ll tell you exactly what you need to change and exactly how to do it.

Get Your Personalized Credit Analysis – 100% Free

Paying your bills on time every month and keeping your credit utilization below 10% are the keys to success in most cases. But you can’t beat a customized credit improvement plan.

Who Has an 800+ Credit Scores?

Below, you can see what percentage of people have a credit score of 800+ as well as how the size of that segment compares to other tiers in the credit score range.

14.5% of people have a credit score of 800 or higher:

2016 Credit Score Distribution

All columns may not add up to 100% due to rounding.

Do You Need an 850 Credit Score?

Nothing magical will happen if your credit score of 825 ticks up to 850. And most importantly, you probably won’t save more money. You don’t need to take our word for it, though. We consulted a panel of financial experts, all of whom said the same thing.

Ask the Experts: Top Tier Tips

  1. Is there any point in trying to reach an 850 credit score? Would reaching the highest possible credit score save someone with excellent credit any money?

Ask the Experts

April Knill
Gene Taylor/Bank of America Professor of Finance and Assistant Director of the BB&T Center at Florida State University - College of Business
Read More

Cagla Yildirim
Resident in Financial Planning at Texas A&M University
Read More

Steven J. Welch
Associate Professor and Chair in the Department of Accounting & Finance at St. John’s University
Read More

Dan Horne
Professor of Marketing at Providence College School of Business
Read More

Bill Pratt
Associate Professor of Business at Piedmont Virginia Community College
Read More

Sterling Raskie
Lecturer of Finance in the Gies College of Business at the University of Illinois at Urbana-Champaign
Read More

More Experts

Top 10 Resources for an 825 Credit Score

  1. What Is a Perfect Credit Score & How Do You Get One?
  2. Free Credit Analysis
  3. Free Credit Score Simulator
  4. 24/7 Free Credit Monitoring
  5. How To Improve Your Credit Utilization
  6. Best Credit Cards
  7. Best Debt Consolidation Loans
  8. Best Car Insurance
  9. What’s Included in Your Credit Report & When Does It Get Updated?
  10. Why Did My Credit Score Drop? Top 10 Causes

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825 Credit Score (2024)


What does a 825 credit score get you? ›

Your 825 FICO® Score is nearly perfect and will be seen as a sign of near-flawless credit management. Your likelihood of defaulting on your bills will be considered extremely low, and you can expect lenders to offer you their best deals, including the lowest-available interest rates.

How many Americans have 825 credit score? ›

Fewer than one-fourth of U.S. adults have credit scores of 800 or higher. Generally speaking, it takes a rather long history of responsible credit behavior to build your score to this level. A credit score of 825 tells lenders that you are highly likely to pay back money that you borrow.

What mortgage rate can I get with a credit score of 825? ›

The importance of credit scores and down payments
FICO ScoreNational average mortgage APR
660 to 6797.589%
680 to 6997.375%
700 to 7597.198%
760 to 8506.976%
2 more rows
Apr 18, 2024

Is a 900 credit score possible? ›

Highlights: While older models of credit scores used to go as high as 900, you can no longer achieve a 900 credit score. The highest score you can receive today is 850. Anything above 800 is considered an excellent credit score.

Is 825 FICO good? ›

An 825 credit score is often considered very good — or even excellent.

How rare is an 800 credit score? ›

How rare is an 800 credit score? An 800 credit score is not as rare as most people think, considering that roughly 23% of adults have a credit score in the 800-850 range, according to data from FICO. A score in this range allows consumers to access the best credit card offers and loans with the most favorable terms.

How rare is an 825 FICO 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.

How to increase credit score from 825 to 850? ›

Pay all your bills on time

One of the easiest ways to boost your credit is to simply never miss a payment. The biggest share of your FICO credit score — 35% — is based on how often you make minimum debt payments on time, whether that's for a credit card, personal loan or auto financing.

How rare is 900 credit score? ›

It's exceedingly rare for anyone to have a credit score over 900, as most credit scoring models have a maximum limit of 850, and even achieving that score is uncommon.

What credit score is needed to buy a $300K house? ›

The required credit score to buy a $300K house typically ranges from 580 to 720 or higher, depending on the type of loan. For an FHA loan, the minimum credit score is usually around 580.

What credit score do you need for a $250000 mortgage? ›

To qualify for a conventional loan, you'll need a credit score of at least 620, though some lenders may choose to approve conventional mortgage applications only for borrowers with credit scores of 680 and up.

What is a good credit score for my age? ›

Average Credit Scores FAQs

Consider yourself in “good” shape if your credit score is above the average for people in your age group. Given that the average credit score for people aged 18 to 25 is 679, a score between 679 and 687 (the average for people aged 26 to 41) could be considered “good”.

How rare is an 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.

What is a perfect FICO score? ›

A perfect FICO credit score is 850, but experts tell CNBC Select you don't need to hit that target to qualify for the best credit cards, loans or interest rates.

What is a good credit score to buy a car? ›

A target credit score of 661 or above should get you a new-car loan with an annual percentage rate of around 7.01% or better, or a used-car loan around 9.73% or lower. Superprime: 781-850.

Does anyone have an 850 credit score? ›

Only 1.31% of Americans with a FICO® Score have a perfect 850 credit score. While a score this high is rare among any demographic, older generations are more likely to have perfect credit. Baby boomers make up a whopping 59.4% of the people with an 850 credit score.

What are the benefits of having a credit score over 800? ›

Perks of having an 800 credit score
  • Better credit offers. One of the biggest perks of having an 800 credit score is access to better credit offers. ...
  • Lower interest rates. ...
  • Higher credit limits. ...
  • Keep your credit utilization low. ...
  • Monitor your credit score. ...
  • Check your credit reports. ...
  • Add to your credit portfolio.
Jul 14, 2023

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