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What’s the highest FICO score achievable?

The highest credit score depends on the scoring system the lender is using. There are many different credit scores with many different score ranges.

FICO is perhaps the best known credit scoring company. The most well-known FICO scores have a range from 300 to 850. In theory an 850 would be the highest score you could get.

There is a score used specifically for auto lending that goes to 920, and others that go to 950. Some scores have ranges that go down – the lower the score, the lower the lending risk. In some of those, zero is actually the “best” score you could get. So, the highest score depends on the scoring system being used by your lender.

But, your goal should not be to get a “perfect” credit score. Any time you use credit there is a chance you will not be able to repay the debt as agreed. You could get sick, be in an accident or face some other financial crisis. Credit scoring systems recognize the risk, so you probably will not get a perfect score with any credit scoring system. It’s not impossible, but it’s very unlikely.

Rather than worrying about getting a perfect score, focus on having a great credit history. If you take care of your credit history, your scores will take care of themselves.

In general, lenders aren’t looking for perfect credit scores; they are looking for scores that indicate that you manage your debts well. Your goal shouldn’t be to get a perfect score, but rather to have a credit score that’s “good enough” to qualify for the best rates.

View the ranges of both FICO Score and VantageScore another well-known credit scoring company.

Check out the scope to hear answers to all the questions asked:

View scope.

Do you have questions about credit?

Join our live video chat every Tuesday and Thursday at 2:30 p.m. ET on Periscope. Rod Griffin, Director of Public
Education at Experian, is available to answer your questions live.
Scoped on: 11/10/2016

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