Highest FICO Score – Know About What Is The Highest Credit Score

Sure, you must be willing to boost your credit score. The higher the credit score, the better the loan terms, easier approval, rewards, and perks to benefit from. But before moving forward you must be clear about how a credit score shifts from the ‘good’ to the ‘excellent’ range.
Highest FICO Score – Know About What Is The Highest Credit Score
If your goal is to attain a perfect credit score, you have to aim for a credit score of 850. That’s the highest FICO score and VantageScore available for the most widely preferred versions of credit scoring models. 
In this article

All scoring models are not similar. FICO scores range from ‘poor’ to ‘excellent’ to measure your financial health. A credit score helps lenders understand how responsibly you use credit. Understanding a credit score range is the first step to achieving the highest credit score.

What Is The Highest FICO Score

The Highest FICO Score is 850. Here’s a detailed table

ModelHighest ScoreBenefits of ReachingConsiderations
FICO® Scores (Most Common)850Prime loan rates, exclusive credit cards, smoother rentals, potentially lower insurance premiumsChallenging to achieve, requires consistent responsible credit management over several years
VantageScore®850Similar benefits as FICO® scoresMay vary slightly from FICO® scores, not as widely used by lenders
Experian® Plus Score980Similar benefits as FICO® and VantageScore®, potentially offers more nuanced insightsRelatively new model, not yet widely used by lenders

Credit Score Ranges in US

RatingCredit Score Range
Poor300 – 579
Fair580 – 669
Good670 – 739
Very good740 – 799
Exceptional800 – 850

Your credit score is essential since lenders use this three-digit number to determine how risky of a borrower you may be in repaying debts on time. 

Factors Influencing Highest Score:

  • Payment history: On-time, full payments on all debts have the most significant impact.
  • Credit utilization: Maintaining low credit card balances relative to available credit.
  • Length of credit history: Longer credit history generally benefits your score.
  • Credit mix: Having a mix of credit types like cards and loans showcases responsible borrowing.
  • Credit inquiries: Limiting unnecessary credit applications can avoid negative impacts.

How to get the highest credit score

In 2019, FICO issued research about the behavior of the U.S. public who attain scores of 800 or higher using the FICO Score 8 model. All of them followed a similar framework to achieve high scores.

Some of the steps these individuals continue to follow include:

1. Paying credit bills on time

About 96% of the consumers with excellent credit scores keep continuous track of their credit payments and pay them on time. To decrease your chances of missing any credit payment, register in autopay or use a bill management app to get reminders of the due dates of your credit card payments. 

2. Aim for low utilization of credit cards

According to FICO, after payment history, credit utilization is the most important factor to study credit usageThe credit utilization ratio is a mechanism to quantify the amount of credit you use versus the amount available on your credit card. Consumers with an 800-plus rating use a 30% portion or less of their credit limit. 

3. Reviewing the credit score

You can’t avoid reviewing the score to look for errors and check what’s helping or hurting it. Make sure you do so by soft and hard inquiries so that your score isn’t broken down.  

4. Keeping old accounts open

Those with high FICO scores have older accounts open for an average of 11 years. The older your credit age, the more admiringly you appear to lenders. Remember keeping an account open is not enough, as credit inactivity may result in closing the account. Contact lenders beforehand to make sure about the account details.

Find how to read : credit score chart

5. Avoid applying for credit too often

While you are applying for a loan, a lender pulls off your credit history, which causes a hard credit inquiry to show up on your report. This hard inquiry report includes the application for a new credit card, mortgage, loan, or some other form of credit.  According to FICO, each new hard credit inquiry lowers your score by up to five points if you apply in a shorter period, thereby damaging it. 

If your goal is to attain a perfect credit score, you have to aim for a credit score of 850. That’s the highest FICO score and VantageScore available for the most widely preferred versions of credit scoring models. 

Although there is no guarantee you’ll achieve perfection, at the very least, it’s nice to have a near-perfect score. Once your score gets nearer to 780 or higher, lenders see you as a low credit-risk personality. You’ll typically be qualified for the best interest rates and terms on various financial services, good product offers, and guaranteed loans that fit your income level. 

Pros and Cons of Having the Highest Credit Score

Best Interest Rates & Loan Terms: Qualify for the lowest rates on mortgages, auto loans, and credit cards, saving significant money over time.Overreliance on Credit: May lead to taking on more debt than manageable, causing financial strain.
Higher Credit Limits: Increased purchasing power and flexibility with credit cards.Target for Identity Theft: Higher risk due to a pristine credit history. Increased responsibility to monitor reports and safeguard information.
Lower Insurance Premiums: Some insurers offer lower premiums for auto, homeowners, and renters insurance with a perfect score.Limited Additional Benefit: Scores above 800 may be treated similarly to perfect scores by lenders, offering diminishing returns.
Reflects Positive Financial Habits: Demonstrates responsible money management and provides peace of mind.External Factors Impacting Score: Changes in credit reporting or scoring models can cause fluctuations, impacting perfect score pursuit.

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Fatema Yusuf

A passionate writer, who loves to write about anything and everything. She usually writes about finance and investment options. She enjoys talking about personal development and loves to help people grow. she loves to cook for kids and upcycle old stuff to give them a new life.


This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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