No one has a credit score over 900 because standard credit scores range from a low of 300 to a high of 850. Less than 1.6% of people even have an 850 credit score, according to the credit-scoring company FICO, because it requires an impeccable payment history, low utilization and a diverse account mix, at the very least.
It is worth noting that some industry-specific and alternative credit scoring models may go up to 900+ points. However, they have a very limited use and usually are not publicly available. That’s why it’s important to just focus on the standard credit score range.
Percentage of U.S. Consumers by Credit Score Range
| Credit Score | Category | U.S. Population |
| 800-850 | Perfect | 21% |
| 740-799 | Excellent | 25% |
| 670-739 | Good | 21% |
| 580-669 | Fair | 17% |
| 300-579 | Poor | 16% |
Source: Experian
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This answer was first published on 05/31/23 and it was last updated on 10/10/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
FAQs
Only 1.31% of the population can achieve a credit score of 850, so there's a certain point where trying to get the highest possible credit score isn't realistic at all. Having good credit can start at around 700. In fact, only a few credit score models have a credit score limit of 900.
How rare is a 900 credit score? ›
Lauren Smith, WalletHub Staff Writer. No one has a credit score over 900 because standard credit scores range from a low of 300 to a high of 850.
How rare is an 800 credit score? ›
According to a report by FICO, only 23% of the scorable population has a credit score of 800 or above.
Is a credit score over 900 good? ›
A credit score of 721-880 is considered fair. A score of 881-960 is considered good. A score of 961-999 is considered excellent (reference: https://www.experian.co.uk/consumer/guides/good-credit-score.html). TransUnion (formerly Callcredit) is the UK's second largest CRA, and has scores ranging from 0-710.
Does anyone actually have an 850 credit score? ›
How many Americans 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.
Does anyone have a 950 credit score? ›
Is a 950 credit score possible? In most conventional credit scoring systems, such as FICO and VantageScore, a credit score of 950 is not possible, as they typically have a maximum score of 850. However, some custom or industry-specific scoring models might use a different scale, but they are not as widely used.
Is a 1000 credit score possible? ›
A credit score of 1,000 is not possible because the standard credit score range used by FICO and VantageScore is 300 to 850. Other credit scoring models have a high of 900 or 950, but they are industry-specific and only used by certain financial institutions.
What is the average credit score by age? ›
Average FICO 8 score by age
| Age group | Average FICO 8 score |
|---|
| 18-29 | 680 |
| 30-39 | 692 |
| 40-49 | 706 |
| 50-59 | 724 |
1 more rowMar 7, 2024
What is the average credit score? The average FICO credit score in the US is 717, according to the latest FICO data. The average VantageScore is 701 as of January 2024. Credit scores, which are like a grade for your borrowing history, fall in the range of 300 to 850.
Does a 750 vs 800 credit score matter? ›
A 750 credit score is Very Good, but it can be even better. If you can elevate your score into the Exceptional range (800-850), you could become eligible for the very best lending terms, including the lowest interest rates and fees, and the most enticing credit-card rewards programs.
For a score with a range between 300 and 850, a credit score of 700 or above is generally considered good. A score of 800 or above on the same range is considered to be excellent. Most consumers have credit scores that fall between 600 and 750.
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”.
What is a fair credit score to buy a house? ›
It's recommended you have a credit score of 620 or higher when you apply for a conventional loan. If your score is below 620, lenders either won't be able to approve your loan or may be required to offer you a higher interest rate, which can result in higher monthly mortgage payments.
How rare is an 840 credit score? ›
Your 840 FICO® Score falls in the range of scores, from 800 to 850, that is categorized as Exceptional. Your FICO® Score is well above the average credit score, and you are likely to receive easy approvals when applying for new credit. 21% of all consumers have FICO® Scores in the Exceptional range.
Which person is most likely to have the best credit score? ›
And while it's not shown in the above table, those with perfect credit scores also have lengthy credit histories. According to Experian data, baby boomers and other older consumers comprise 66% of the consumers with 850 FICO scores, and Generation X another 26%.
What is the difference between a FICO score and a credit score? ›
A credit score is a three-digit number that measures your financial health and how well you manage credit and debt. FICO scores are a specific type of score that lenders can use when making borrowing decisions. The FICO credit scoring system is the most widely used credit score.
Is a 999 credit score rare? ›
A credit score of 999 from Experian is the highest you can get. It usually means you don't have many marks on your credit file and are very likely to be accepted for a loan or credit card.
How rare is a 850 credit score? ›
According to recent Experian data, 1.54% of consumers have a "perfect" FICO® Score of 850.
Is an 800 credit score possible? ›
Your 800 FICO® Score falls in the range of scores, from 800 to 850, that is categorized as Exceptional. Your FICO® Score is well above the average credit score, and you are likely to receive easy approvals when applying for new credit.
What is a rare credit score? ›
If you have a FICO credit score over 800, your credit is considered exceptional — and, 24.1 percent of the scorable population had credit scores in the 800 to 850 range in April 2023, according to FICO. So, while getting an 850 credit score is difficult, a score above 800 seems like a more achievable goal.
