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What Is the Highest Credit Score Possible?

Dear Experian,

My credit score is excellent, but I want the highest score that is available. What is the highest credit score possible?

- BHB

Dear BHB,

The highest credit score possible depends on the credit scoring system being used. There are many different scoring systems available, and the range, or scale, can vary from one system to another. For example, some credit scoring systems may have a scale that goes up to 850, while others might go up to 900 or 950.

Try Not to Focus on Achieving a Perfect Score

It will be difficult, if not impossible, to get a perfect score because there is always some risk associated with repaying the debt as agreed, such as getting sick or having an unforeseen accident.

Credit scores reflect the information in your credit report. To get good scores, you must take care of your credit report. Instead of focusing on the number, work to maintain a good credit history. You will probably never get a perfect credit score, but that shouldn't be your goal.

Instead, your goal should be to make your credit report as strong as possible. Doing so will ensure that all of your credit scores will qualify you for the best rates and terms offered by any lender.

Credit Scores May Vary

In addition to the varying scales used, one scoring system may weigh certain elements in your credit report differently than another, so it's likely that the number you receive will differ somewhat depending on which credit scoring system is used to calculate it.

The good news is that you don't need to have a perfect credit score in order to qualify for the best rates. Most companies set thresholds for determining the minimum credit score needed to qualify for their most competitive offers. As long as your credit score is above that threshold, you will qualify for the best terms available. Learn more about credit score ranges.

If you continue to pay your bills on time, keep your balances low, and apply for credit judiciously, you will be able to maintain excellent credit scores and get the credit you deserve when you need it, at the best rates available — even though your score isn't perfect

Thanks for asking,
The "Ask Experian" Team

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