Why is my credit score over 850?

An 850 credit score is a perfect credit score, believe it or not. Any credit score of 800 or higher indicates that you’ve been using loans, credit cards and other lines of credit responsibly for several years, paying your monthly bills on time and keeping your credit report clear of negative information.

Can you get over 850 credit score?

Is It Possible to Get a 850 Credit Score? Yes. An Experian study found that as of 2019, 1.2% of all credit-holding Americans had a FICO score of 850.

What percentage of the population has a credit score over 850?

1.2%
Most people don’t have a perfect FICO® Score, though. In fact, according to a recent report from Experian, just 1.2% of Americans have a perfect 850 score. This is a big increase compared to how many people had a perfect score in the past.

Does anyone have a 900 credit score?

A credit score of 900 is either not possible or not very relevant. On the standard 300-850 range used by FICO and VantageScore, a credit score of 800+ is considered “perfect.” That’s because higher scores won’t really save you any money.

What is a good credit score range with TransUnion?

What is a good credit score range with TransUnion? A credit score ranges from 300 to 850 with TransUnion and can impact your ability to borrow money. See how good credit score fits in the ideal range.

Is it possible to get a FICO score over 850?

It is, as you have said, a bankcard-enhanced FICO. Bankcard-enhanced FICO scores use a range of 250-900, so a score of 855 is entirely possible. Your Classic FICO will still be in the range of 300-850. Message Edited by cheddar on 06-12-200812:25 PM App free since 7/11/08. TU 744 / EX 710 / EQ 694 (Starting to slip. Message 21of 25 0 Kudos

How does TransUnion interactive affect your credit score?

TransUnion Interactive does not include all credit card companies or all available credit card offers. There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions.

What does a credit score of 850 mean?

And since so few people have such high scores, lenders don’t split the 800+ credit score crowd into smaller groups that get separate offers. People with credit scores of 850 and 850, respectively, are pretty much equally unlikely to default on financial obligations, too.

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