what is the highest available credit score
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What is the highest credit score available? Best Answer: The highest credit score one can achieve is the magical FICO number of 850, which is a perfect score and the person that achieves this will find themselves being offered every form of financing and loan product imaginable. The highest scores usually range in the area of 720-850.
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Westlake man has one of the highest credit scores in the entire country, 848 out of 850 FICO scores (the best known and the ones lenders generally use) run from 300 to 850. Anything above 720 is an A. About half the population has A-minus or better credit. Historically, about 10 percent of the population has an 800 or better.Nearly 25 percent of consumers have a rating of C or below.avelka isn't sure what the other part of the letter means, that his score is higher than 100 percent of U.S. consumers.. Fair Isaac spokesman Anthony Sprauve said it does not mean he has the absolute highest score in the nation. There are other 848s, and even 849s and 850s out there.
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- The minimum FICO-based credit score is 300 while the maximum is 850. However, some scoring models utilized by credit bureaus may be tweaked so that a different formula is used … as well as a somewhat different range in scores may be used.
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Credit Score Scale: What is a Good FICO Score? Credit Score Scale: From Excellent To Bad. The standard FICO credit-scoring scale goes from 300 to 850, with higher numbers reflecting better credit. Excellent Credit Score: 800-850. If you have a credit score of 800 to 850 (excellent credit), then you’re in the 20% elite of potential borrowers. This is the highest you can go in the range. It means you manage your debt well, pay your debts off quickly, don’t allow payments to go late, you don’t have any collection accounts and you have no negative mark on the credit report.
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Which Credit Reporting Agency Has The Lowest Score? On the Equifax credit scale, the lowest possible score is 330. Equifax is a popular source of credit reports for lenders, utility companies, potential landlords, and in some cases even employers. The highest possible score on Equifax is an 830, though most people fall in the 600 to 700 range. However, do not discount Fair Isaac Corporation or FICO.
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Great credit score? Think again Your 790 credit score might not be as great as you think it is. For example, while a FICO score of 790 out of 850 is considered excellent, it's merely mediocre on the VantageScore model -- which tops out at 990.elated: Your credit score isn't what you think it is. We've been raised with an A through F, 0 to 100 system for everything, and now we have all these weird ranges that don't make a lot of sense, so it can be confusing, said Ulzheimer.
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What Is a Good Credit Score? If your FICO score is 840, for example, you’re just 10 points shy of the highest score possible and your credit is “superprime.” But if you have an 840 VantageScore (using version 2.0), it’s not as spectacular because you’re 150 points away from the highest possible score.
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How to Get a Perfect Credit Score Three Parts:Understanding Your Credit SituationImproving Your Credit ScoreReaching PerfectionCommunity Q&A. To get a perfect credit score, you must have a high level of financial responsibility. This score, which on the standard FICO score is an 850, is the highest achievable level of creditworthiness.
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- A credit score of 720 or higher is considered a good credit score. However, if you want to qualify for a credit card, a mortgage or any other financing, you have to maintain high credit score. This will fetch you the lowest interest rate. The perfect and the highest credit score is 850.
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A Perfect Credit Score: Is It Possible? There are millions of Americans with very good credit, but is a perfect credit score a realistic goal? If you check your FICO credit score, which is the method most commonly used by lenders, you'll see a number between 300 and 850. Higher scores are better, and scores in the range of 500-800 are most commonly seen. Source: 401kcalculator.org via flickr.
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- More on Good Credit. Your Score Range: 650-799. Your credit score sits in the range of between 650 and 799, along with those of 47 percent of Americans. While your score is not in a problem range, there is plenty of room for improvement.
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Credit Score Range â Whatâs Your Rating? 760-799 Credit Score. A credit score of 760-799 is considered good to great credit, and will typically result in interest rates and approval rates that a credit score in the 800-850+ bucket would yield. The only difference might be a few more pricing incentives at the 800-850+ range, and a more thorough credit check.00-850 Credit Score. A credit score of 800-850 is basically flawless credit. Though I’ve never seen an 850 credit score (readers have told me they have 900+ scores but those are different scoring models), scores of 800-850 are fairly common.
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780 Credit Score = The Magic Number? The top rung of scores has been raised, unfortunately. Currently, the minimum credit score to get the best mortgage rates is typically in the range of 750-760, at least with most lenders. However, a 740 to 750 FICO may still qualify you for the best rates with some lenders (as the saying goes, your mileage may vary).
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- The maximum FICO score is 850 (minimum 300). Another common credit score is the VantageScore; the maximum is 990 (minimum 501). There are other credit scores, from the credit bureau and other third-parties. If you purchase one of these scores, the score provider will give you the scale for that score.
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- 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.
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- Credit Score. 300 - 850 Credit Score Range. See your VantageScore ® 3.0 Credit Score by TransUnion. The three credit reporting companies developed the VantageScore to improve the consistency, accuracy and predictive quality of consumer credit scores. Under the Credit Score Tab you'll also get your Insurance Score.
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What Is a Good Credit Score? If your FICO score is 840, for example, you’re just 10 points shy of the highest score possible and your credit is “super-prime.” But if you have an 840 VantageScore 2.0, it’s not as spectacular because you’re 150 points away from the highest possible score.
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Credit Score Range â Whatâs Your Rating? 760-799 Credit Score. A credit score of 760-799 is considered good to great credit, and will typically result in interest rates and approval rates that a credit score in the 800-850+ bucket would yield. The only difference might be a few more pricing incentives at the 800-850+ range, and a more thorough credit check.60-799 Credit Score. A credit score of 760-799 is considered good to great credit, and will typically result in interest rates and approval rates that a credit score in the 800-850+ bucket would yield. The only difference might be a few more pricing incentives at the 800-850+ range, and a more thorough credit check.
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What Is an Excellent Credit Score in 2013? Based on our survey, an excellent credit score is 740 or higher on the FICO scoring range. If you fall into this range, you should have no trouble getting approved for a home loan. You will also qualify for a better interest rate than someone with a lower score. You might even get the best rate the lender has to offer.
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- The Chase Freedom card is mainly for those in the “Good” (700+) to “Excellent” (750+) credit ranges, but there are reports of people being accepted with credit scores as low as 645. 1  Chase Freedom Application. 2  Chase Freedom Unlimited Application.
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Guide: What is a Good Credit Score? The higher your credit score, the lower the interest rate on the mortgage. Borrowers with high credit scores tend to get lower interest rates on mortgages than borrowers with low credit scores. A credit score of 740 or higher qualifies for the best interest rates from most lenders.
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Average Credit Scores by State 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.alifornia (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.
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Highest Credit Score: Is It Possible To Get It? Each FICO score is based exclusively on the report from that credit bureau. The score that FICO reports to lenders could be from any one of its 50 different scoring models, but your main score is the middle score from the three credit bureaus. If you have scores of 720, 750 and 770, you have a FICO score of 750.
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- You can do this without having the maximum credit score. Aim to have a FICO score above 720 and a Vantage score about 901. These credit scores are considered excellent and will almost always allow you to reap the benefits of a high score.
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Westlake man has one of the highest credit scores in the entire country, 848 out of 850 Pavelka isn't sure what the other part of the letter means, that his score is higher than 100 percent of U.S. consumers.. Fair Isaac spokesman Anthony Sprauve said it does not mean he has the absolute highest score in the nation.
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Your Game Plan for Getting the Highest Credit Score Possible Even among the most disciplined consumers few achieve the highest credit score possible. In fact, only about 0.5 percent of Americans are able to obtain an 850 credit score, according to FICO. Even then, credit scores change all the time, so it’s not likely any one person is maintaining an 850 credit score.