A FICO score can range from 300 to 850.
The highest credit score that has ever crossed John Stearns' desk was 834. It belonged to his accountant, who was refinancing his house with Stearns, a mortgage banker with American Fidelity Mortgage Services in Wisconsin. Those stats alone deal with factors that contribute 65 percent to a credit score. Payment history accounts for 35 percent, and amounts owed contribute 30 percent. The former is an easy concept: Pay at least your minimum payment on time, all the time. The FICO Score is the standard credit score in the US, used in more than 90% of lending decisions. Learn more. An Industry Standard – FICO Scores are used in more than 90% of lending decisions. Take your FICO Score with you on any mobile device & receive notifications when changes have been detected. myFICO is the consumer division of FICO. Since its introduction over 25 years ago, FICO ® Scores have become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. A: Your FICO score is used by creditors to determine the overall credit risk of any individual consumer. This score is calculated by using a proprietary tool developed by the Fair Issac Corporation (NYSE: FIC). Each major credit bureau in the United States-Experian, Equifax (NYSE: EFX) and TransUnion-uses Fair Issac's technology to calculate a FICO score for any borrower. The more information the credit bureau has on you, the more accurate their calculation of the FICO score will be. This is why you may have a different FICO score from each of the three major credit bureaus. Of course we all want the best, but the highest possible credit score — the 850 FICO — is almost unattainable. In fact, there are many loan officers that have been in the business for years who have said they’ve never seen a perfect 850 credit score before. Most websites also get the average seriously wrong, too. A FICO score can range from 300 to 850. There is a lot of misinformation on the internet as to what the average score is (many sources cite numbers in the 670’s). If you are looking for the best rates and the highest credit limits, you should aim for a credit score of 760, according to FICO. Anything above a 760 is just going to be for bragging rights, since a score of 760 or above will get you the best rates and credit limits. Most businesses use similar cutoff points when determining your rate or credit limit. Fair Isaac Corporation developed the FICO score 27 years ago (1987). Since that time, it has definitely been the gold standard for credit scoring, as it is the score most commonly used by lenders. You can get your FICO score for free with these cards. Most websites also get the average seriously wrong, too. A FICO score can range from 300 to 850. There is a lot of misinformation on the internet as to what the average score is (many sources cite numbers in the 670’s). FICO scores range from 300 to 850, where 850 is considered to be the best score achievable. According to myFICO.com, a division of the Fair Issac Corporation, only 13% of the U.S. population has a FICO score greater then 800, while only 2% has a FICO score lower then 500. The largest proportion of the population, 27%, has a FICO score between 750 and 800. The more information the credit bureau has on you, the more accurate their calculation of the FICO score will be. This is why you may have a different FICO score from each of the three major credit bureaus. The FICO score ranges from 300 to 850, with a FICO score of 850 being the highest score you can obtain. Your FICO score is calculated from the information contained within your credit report and analyzes five key categories to determine your score: • Your Payment History — 35% of your score. And in order to know the highest credit score possible, you’d need to know which credit score or credit score model you’re using. There are many, many credit scores on the market today, but for the purpose of this example, we’re going to focus on the FICO credit score. California (754), Oregon (750) and Wisconsin (749) led the country with the highest Mortgage Marvel average FICO scores, based on a scale of 300 to 850. It should be noted that neither credit agency's reporting sample is representative of an entire population. 
http://www.bankrate.com/finance/credit/trying-get-perfect-credit-score-worth-it.aspx http://www.myfico.com/fico-score-high-achievers-infographic.aspx http://www.investopedia.com/ask/answers/07/fico-score.asp http://creditcardforum.com/blog/what-is-the-highest-credit-score-you-can-have/ http://www.huffingtonpost.com/simple-thrifty-living/what-is-the-optimal-credi_b_3845664.html http://creditcardforum.com/blog/what-is-the-highest-credit-score-you-can-have/ http://www.investopedia.com/ask/answers/07/fico-score.asp http://blog.credit.com/2012/11/highest-credit-score-63330/ http://www.governing.com/gov-data/economy-finance/average-credit-score-by-state.html
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