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
If you want to learn how to take your credit score to the next level, sign up for a free WalletHub account. You can get personalized credit-improvement tips, daily credit score updates and more.
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 a realistic high credit score? ›
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. In 2023, the average FICO® Score☉ in the U.S. reached 715.
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
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.
Average FICO® Score in the U.S. Climbs to 715
Despite the slight increase over the past 12 months, average FICO® Scores have meandered throughout 2023, with average scores increasing from 714 to 716 this past summer, before settling at 715 at the end of the Q3 2023.
What is a perfect credit score to buy a house? ›
Some types of mortgages have specific minimum credit score requirements. 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.
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”.
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 the highest credit score ever recorded? ›
And when people talk about achieving the “highest” credit score possible, they're usually talking about the ever-elusive 850 FICO® Score. Earning a perfect 850 FICO Score isn't common, but it's certainly possible.
