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 it possible to maintain 900 credit score? ›

Monitor your score regularly and take corrective action if needed. Use credit judiciously and develop good financial habits to reach and maintain that coveted 900 score. So take charge of your credit now and start your journey towards super-prime lending offers!

What's the lowest credit score possible? ›

What is the lowest credit score possible? Generally, credit scores range from 300 to 850, making 300 the lowest possible credit score. But it's important to note that you typically have more than one credit score. And they may differ depending on the credit-scoring company and when they were calculated.

Is it possible to go from poor to excellent credit score? ›

Paying your accounts regularly and on time will improve your score as you build a credit history. Missed payments, defaults and court judgments will stay on your credit report for six years. However, the impact of any missed payments or defaults will likely reduce as the record ages.

What is the highest credit score you can possibly have? ›

Read on to learn more. 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.

How rare is a 900 credit score? ›

It's exceedingly rare for anyone to have a credit score over 900, as most credit scoring models have a maximum limit of 850, and even achieving that score is uncommon.

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.

What is the poorest credit score? ›

VantageScore credit scores
  • Very Poor: 300-499.
  • Poor: 500-600.
  • Fair: 601-660.
  • Good: 661-780.
  • Excellent: 781-850.
Feb 27, 2024

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.

How bad is a zero credit score? ›

Lenders evaluate people based on how they've used credit in the past. An empty credit report with no evidence of a borrowing history signals to lenders that you're inexperienced. That makes lenders nervous and increases the chances they will deny you for credit like a car loan, credit card or mortgage.

How can I raise my credit score 100 points overnight? ›

How to Raise Your Credit Score 100 Points Overnight
  1. Become an Authorized User. This strategy can be especially effective if that individual has a credit account in good standing. ...
  2. Request Your Free Annual Credit Report and Dispute Errors. ...
  3. Pay All Bills on Time. ...
  4. Lower Your Credit Utilization Ratio.

How to erase bad credit without paying? ›

How to remove negative items from your credit report yourself
  1. Get a free copy of your credit report. ...
  2. File a dispute with the credit reporting agency. ...
  3. File a dispute directly with the creditor. ...
  4. Review the claim results. ...
  5. Hire a credit repair service. ...
  6. Send a request for “goodwill deletion” ...
  7. Work with a credit counseling agency.
Mar 19, 2024

Can I pay someone to fix my credit? ›

Yes, it is possible to pay someone to help fix your credit. These individuals or companies are known as credit repair companies and they specialize in helping individuals improve their credit score.

Is 900 credit score achievable? ›

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 the riskiest credit score? ›

Borrower risk profiles
  • Deep subprime (credit scores below 580)
  • Subprime (credit scores of 580-619)
  • Near-prime (credit scores of 620-659)
  • Prime (credit scores of 660-719)
  • Super-prime (credit scores of 720 or above)

Is it possible to have a credit score of 1000? ›

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.

Is a 900 credit score achievable? ›

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 1000 a possible credit score? ›

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 happens if your credit score is 1000? ›

A credit score of 1,000 is not possible because credit scoring models simply do not go that high. According to Experian, some credit scoring models reach upwards of 900 or 950, but those are industry-specific scores that are only used by certain institutions.

How hard is it to maintain an 800 credit score? ›

If you want an excellent score, however, you must do more. For an 800 score, the rule of thumb is to keep your revolving balances at or below 10% of your credit limit. (People with credit scores of 800 or above only use 7% of credit lines on average.)

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