What Is the Highest Credit Score?

highest fico scorehighest vantagescore

For those obsessed with their credit score, I’ll provide a little insight on the “highest credit score” possible.

The highly regarded Fico score is clearly the most popular of the credit scores out there, and if you didn’t already know, the associated range of credit scores is 300-850.

So as far as Fico is concerned, the highest credit score possible is 850.  Pretty simple, right?  Oh, and just to make it 100% clear, the higher your credit score the better folks…this isn’t golf.

The Higher the Better, to an Extent

Put simply, if you have a credit score above 800, you’ve got what is considered an excellent credit score and you’ll be approved for all types of credit, from credit cards to mortgages and so forth, assuming you have the credit history to back it up.

Even a Fico score above 760 should be sufficient to get the best terms on the credit cards and loans you apply for, so there’s kind of a point where it no longer matters how high your credit score is.  It’s merely for bragging rights.

There’s also the lesser-known VantageScore, which was created as a response to the mighty Fico score by the three major credit bureaus, including Experian, Equifax, and TransUnion.

The VantageScore credit score ranges from 501-990, so 990 is the highest credit score you can achieve if a bank or lender uses that scoring model. Again, the higher the credit score the better.  Anything above 900 would land you in their “A” bucket, which as we know all from grade school is the best you can do.

So again, you don’t necessarily need the highest credit score out there to get the best terms or to guarantee approval.

Keep in mind that there are a number of credit scores used for all types of different purposes, so the highest credit score may potentially be higher or lower than what these two companies have revealed.  For example, some auto leasing companies may use a credit score range that goes up to 900 for Fico-based scores.

Highest Credit Score Doesn’t = Approved

Regardless of how high your credit score is, you can still be denied for a loan or a credit card because of other issues, like lack of credit depth.

Some consumers may exhibit high credit scores without accompanying credit history, simply because they don’t have any negative items on their credit report.  At the same time, they might not have a lot of good stuff going on either.  Think of a small child that hasn’t done anything bad in their life yet, but hasn’t really done much good either.

While it’s great to sport the highest credit score possible, it will mean very little unless you’ve proven to creditors over time that you can support large amounts of debt and make on-time payments through thick and thin.

So a perfect credit score is much more than just those three little digits.

[See: What a good credit score really is for more on that.]

Also keep in mind that you get 3 credit scores, one from each of the major credit bureaus. So even though one might be the highest possible, if the other two are less than perfect, the bank or lender will likely rely on the mid-score of the three if they pull a tri-merge credit report.

And there’s also the possibility of them pulling your credit score from one of the bureaus where you’re not so perfect.  So make sure all three of your credit scores are as high as they can be to avoid any issues.

Learn more about how a FICO score is determined and/or how you can improve your credit score, assuming it’s not as high as you’d like it to be.

In summary:

Highest Credit Score for Fico: 850
Highest Credit Score for VantageScore: 990

6 thoughts on “What Is the Highest Credit Score?”

  1. Frank,

    Supposedly over 1 million consumers have perfect FICO scores, though it seems hard to believe. I’m sure lots are very close to perfect though.

  2. I had an 850 FICO score at one point, but it’s always fleeting. Here today gone tomorrow but who really cares as long as it’s over 800…

  3. i dont care about credit scores i always pay in cash
    i save up for what i want to buy
    credit scores are just used to charge people more for things
    car insurance co. are using it now to charge people more, i only use car insurance that dont ask to see my credit score

  4. There’s no way one million people have 850 on the nose. My guess is a few thousand at any given time, maybe 10k.

  5. Jesse,

    I think it’s actually 10 million or more, but the caveat is that they reach 850 at some point in their lifetime. So there won’t be that many consumers with 850 scores all at once, or maintained. It’s just the number of people that have hit 850, even if fleeting.

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