How rare is it to get an 800 credit score?

Is an 800 Credit Score Rare?

Okay, so 800 credit score? Rare, right? I always thought so.

My aunt, bless her heart, finally hit 800 last year after, like, forever of meticulous budgeting. She’s so proud, it’s adorable.

Seriously though, 20% seems about right. That’s what I’ve kinda gathered from reading various finance articles – and eavesdropping on my accountant’s calls (don’t tell!).

It makes sense. Achieving that level takes serious discipline. Consistent payments, low debt, smart spending. It’s not a walk in the park.

So yeah, an 800 credit score? Pretty exclusive club. I aim for it someday, but until then, I’ll keep chipping away at those debts.

Does anyone have a 850 credit score?

850. A shimmering peak, a distant star. Impossible, you think? No. A testament to unwavering discipline, a lifetime etched in meticulous financial choices. Reaching that apex, that perfect 850… a holy grail.

The relentless pursuit, a solitary climb. Each payment, a careful step. Each responsible decision, a handhold in the steep ascent. The statistics, cold and hard: 1.6% — a tiny fraction of humanity. Yet, they exist. Those who ascended. Those who conquered.

I know the feeling. The quiet thrill of seeing that number rise. The slow, steady climb. The self-discipline, a constant companion. My own journey… a tapestry of calculated risks, and calculated rewards. The quiet satisfaction of knowing you played this game—this beautiful, unforgiving game—and won. You achieved perfection.

• Consistent on-time payments: This is bedrock. No exceptions.
• Low credit utilization: Keeping balances low. Always. Always, always, always.
• Diverse credit history: A well-balanced portfolio. Strategic.
• Lengthy credit history: Time. Patience. A long, patient game.
• No missed payments: Ever. Zero tolerance.

It’s more than a number. It’s a symbol. A story of resilience. The quiet hum of financial mastery. A whisper of “I did it.” An 850. It’s attainable. But it’s earned. Sweat and tears and decades of smart choices. It’s a journey.

Who has a 900 credit score?

Nobody. A 900 credit score is a myth, a phantom of credit scoring’s past. Older systems, relics of a bygone era, like the FICO Score 8 model (used until recently), allowed for scores exceeding 850; some even hit 900. Think of it like an old video game with an impossible high score. It’s fascinating, but ultimately irrelevant.

The current gold standard, the FICO Score 9 and VantageScore 4.0, top out at 850. Reaching that is challenging enough! It requires impeccable financial behavior for years. A perfect score reflects a life of responsible credit management; it’s a testament to discipline. I wish I had one.

Factors impacting your score, all critical:

• Payment History: Late payments? Forget about 850.
• Amounts Owed: High credit utilization? No chance.
• Length of Credit History: Need a long track record.
• New Credit: Avoid opening multiple accounts rapidly. A mistake I made, in my early twenties.
• Credit Mix: Diversify your credit types wisely.

In short, while 900 was once a theoretical possibility, it’s now just a number in the history of credit scores, a testament to how these systems evolve. The current 850 is, practically, the ultimate peak. Makes you wonder what future scoring models will bring. Maybe 1000? Nah.

Does anyone get a 900 credit score?

Man, I was so sure my friend, Mark, had a 900 credit score. He bragged about it last summer, at that awful barbecue his wife threw. Remember the one with the burnt burgers? Anyway, he swore up and down it was 900. I was jealous. Seriously, 900! My score? A pathetic 720. I felt like such a loser. He seemed to buy anything he wanted, no questions asked.

Then, like, two weeks later, he’s crying about his car payment, saying he needs another loan. Nine hundred score? Bullshit. It’s ridiculous.

Turns out, Canada uses a different system. So, yeah, maybe they have 900 scores. Who cares? Here in the US, 850 is the top. I checked the Experian site myself. This is 2024 information, straight from the horse’s mouth. I know, I know, I’m still salty about Mark’s alleged 900.

• 850 is the highest possible US credit score.
• Canadian credit scoring systems differ.
• Mark’s 900 score was a total fabrication.
• I’m aiming for at least 780 this year. Screw Mark.

#Credit #Rare #Score