900 Credit Score: Possible or Not? | Chase (2024)

Highlights:

  • While older models of credit scores used to go as high as 900, you can no longer achieve a 900 credit score.
  • The highest score you can receive today is 850.
  • Anything above 800 is considered an excellent credit score.

A credit score of 900 is not possible, but older scoring models that are no longer used once went up to 900 or higher. The highest possible credit score you can get now is 850. If you’re curious about your current credit score and how you may achieve a higher one you can enroll in Chase Credit Journey®, a free, online credit monitoring tool available to Chase and non-Chase customers.

In this article, we will review:

  • What the highest credit score is
  • Credit score ranges by scoring model
  • What factors affect your credit score?
  • Benefits of having an exceptional score

What is the highest credit score?

According to the current scoring models, the highest credit score you can receive is 850, but essentially any score in the 800 range is considered to be an exceptional score. There may be some light differences when it comes to specific ranges for both the VantageScore® and the FICO score®. Let’s review them below.

Credit score ranges by scoring model

Both the VantageScore and FICO score models range from a low of 300 to a high of 850. They are both categorized into ranges from low to high credit scores. As you can see in the scoring models below, achieving a 900 score is not possible today.

The VantageScore credit score ranges are:

  • Excellent: 781 to 850
  • Good: 661 to 780
  • Fair: 601 to 660
  • Poor: 500 to 600
  • Very Poor: 300 to 499

For FICO, the credit score ranges are:

  • Exceptional: 800+
  • Very Good: 740 to 799
  • Good: 670 to 739
  • Fair: 580 to 669
  • Poor: 579 and below

What factors affect your credit score?

A credit score is calculated based on a variety of factors. These include, but are not limited to:

  • Payment history: This factor represents 40% of your VantageScore and 35% of your FICO score. This accounts for the consistency and timeliness of your bill payments over time.
  • Credit utilization: This segment accounts for 20% of your VantageScore and 30% of your FICO score. Credit utilization tallies the amount you owe compared to the credit you have available across all open credit accounts.
  • Length of credit history: This category adds up to 15% of value toward your VantageScore and FICO score. This segment considers the age of your oldest and youngest accounts. Credit agencies also factor the average age of all your accounts into this segment. They may note your usage rate for these accounts as well.
  • Credit mix: Credit mix indicates the types of credit you have. These may include installment loans, credit cards or mortgages, but it's not necessary to have all kinds of credit. But it may be beneficial for your score if you have more than one. Credit bureaus often look to see if you have a mix of revolving loans and installment loans.
  • New credit accounts: This includes the total number of new credit accounts and loans you’ve opened or applied for recently. Note that opening too many accounts at the same time can work against you here.

Benefits of having an exceptional score

You don’t need to have a perfect score. Just with a good score you may enjoy the benefits described below:

  • Having more room to negotiate for better terms/rates
  • Eligibility for more premium credit cards that could come with better earning rewards, perks and special benefits on travel
  • Receiving higher credit limits that grant you more purchasing power
  • Higher odds of approval for important life decisions like renting an apartment
  • A good impression on a potential employer who may run a credit check

Remember, a "perfect" score may be highly unlikely for you to achieve no matter which scoring model is used. To land in the top range — and be considered "exceptional” by the credit bureaus — there are some essential financial practices you should meet on a consistent basis, such as:

In summary

While 900 is no longer a credit score you can achieve today, you can still put in your best efforts to achieve an exceptional score of 800 or higher. Whether you’re looking to improve your score over time or challenge yourself to achieve something exceptional, enrolling in Credit Journey® will help you track your progress. Remember, your overall financial behavior and relationship with credit are key factors in helping you achieve your desired credit score.

900 Credit Score: Possible or Not? | Chase (2024)

FAQs

900 Credit Score: Possible or Not? | Chase? ›

Highlights: While older models of credit scores used to go as high as 900, you can no longer achieve a 900 credit score. The highest score you can receive today is 850. Anything above 800 is considered an excellent credit score.

Is a credit score of 900 possible? ›

Is a 900 credit score possible? Depending on the type of scoring model, a 900 credit score is possible. While the most common FICO and VantageScore models only go up to 850, the FICO Auto Score and FICO Bankcard Score models range from 250 to 900.

Is a 1000 credit score possible? ›

A credit score of 1,000 is not possible because the standard credit score range used by FICO and VantageScore is 300 to 850. Other credit scoring models have a high of 900 or 950, but they are industry-specific and only used by certain financial institutions.

What is the highest credit score possible? ›

Generally speaking, the highest credit score possible is 850, according to the most common FICO and VantageScore credit models. There are several factors that go into determining a credit score, such as payment history, amounts owed, length of credit history, credit inquiries and credit mix.

What is the lowest credit score possible? ›

The lowest score you can get with either model is 300, though past scoring models have gone lower (and aren't used so much today). According to FICO, an estimated 11.1% of Americans have a FICO score ranging between 300 and 549 as of 2019.

Does anyone have a 950 credit score? ›

Is a 950 credit score possible? In most conventional credit scoring systems, such as FICO and VantageScore, a credit score of 950 is not possible, as they typically have a maximum score of 850. However, some custom or industry-specific scoring models might use a different scale, but they are not as widely used.

When did 900 credit score go away? ›

At first, the VantageScore used a very different scoring range, 501–900, but in 2013 it changed its range to be the same as FICO: 300–850. Both use similar scoring factors, although the VantageScore places more weighting emphasis on the length of an individual's credit history.

How rare is an 843 credit score? ›

Your 843 FICO® Score falls in the range of scores, from 800 to 850, that is categorized as Exceptional. Your FICO® Score is well above the average credit score, and you are likely to receive easy approvals when applying for new credit. 21% of all consumers have FICO® Scores in the Exceptional range.

Has anyone gotten an 850 credit score? ›

Although a lot of people might like the idea of a perfect credit score, they'd likely have a hard time actually achieving it. In the U.S., only about 1.7 percent of the scorable population had a perfect 850 FICO credit score in April 2023, according to FICO data.

How rare is an 800 credit score? ›

How rare is an 800 credit score? An 800 credit score is not as rare as most people think, considering that roughly 23% of adults have a credit score in the 800-850 range, according to data from FICO. A score in this range allows consumers to access the best credit card offers and loans with the most favorable terms.

Is FICO score 850 or 900? ›

While older models of credit scores used to go as high as 900, you can no longer achieve a 900 credit score. The highest score you can receive today is 850. Anything above 800 is considered an excellent credit score.

What is a good credit score to buy a car? ›

Your credit score is a major factor in whether you'll be approved for a car loan. Some lenders use specialized credit scores, such as a FICO Auto Score. In general, you'll need at least prime credit, meaning a credit score of 661 or up, to get a loan at a good interest rate.

What's the worst credit score you can have to get a mortgage? ›

Many conventional loans allow you to borrow with a ”fair” credit score of 620 or higher, though your interest rate may be higher than it would be with a higher credit score. FHA loans can allow scores as low as 500, but will require a higher down payment.

What's the lowest credit score to buy a house? ›

You'll typically need a credit score of 620 to finance a home purchase. However, some lenders may offer mortgage loans to borrowers with scores as low as 500. Whether you qualify for a specific loan type also depends on personal factors like your debt-to-income ratio (DTI), loan-to-value ratio (LTV) and income.

Is it possible to maintain 900 credit score? ›

One of the most impactful ways to improve your CIBIL score and achieve a score as near as a credit score of 900 is by consistently paying your credit card bills on time. Late payments can have a negative impact, so setting up reminders or automatic payments can help ensure you never miss a due date.

Can you go above 800 credit score? ›

Getting your credit score above 800 isn't easy, but it's 'definitely attainable,' says analyst. Here's how to do it. Higher credit scores pave the way to lower rates, potentially saving thousands of dollars in interest charges. The highest tier is anything over 800, which can unlock even better terms.

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