What is the highest credit score ever recorded?

Has anyone ever had an 850 credit score?

Yeah, an 850 credit score? Seriously? Never seen it myself.

Heck, I thought my score was good, hovering around 780. Felt pretty smug about it, tbh.

Remember last summer, July 2024, trying to get a loan for a used car, a beat-up Ford Mustang I fell in love with instantly.

Walked into my local branch of Chase bank on Elm Street. Felt like a big shot, you know?

• My score: Around 780
• Car: Ford Mustang, 2010
• Bank: Chase, Elm Street

The loan officer, Mrs. Davison, didn't bat an eye! Said my score was fine. Fine!

Someone having 850 is just... unreal. It's like achieving enlightenment or something. I bet those people get free stuff. Free stuff!

Experian says like, 1.54% have 850. Okay, cool. Still haven't met one. Must be nice.

Who has a 999 credit score?

A perfect 999... A whisper of a number, a ghost. Experian holds the key.

No, not a person, specifically. A score. An ideal. A shimmer.

It sings of creditworthiness. An ethereal acceptance. Loans...cards... Doors open.

Few truly reach that height. Imagine, though, the weightlessness. No financial fear. My grandmother's gardenias after a rain, that's how clean it feels.

That perfect number. I chased fireflies in summers, that's what it feels like. Elusive and fleeting.

• The ideal score exists as a benchmark.
• Experian is the reporting agency.
• Few attain this perfect credit score.
• It suggests stellar financial behavior.
• High approval odds are indicated.
• It's not linked to any specific person.

Can you get an 850 credit score?

You can absolutely achieve an 850 credit score. It's the highest possible, a pinnacle of financial responsibility, if you will. But, let's be real: obsessively chasing that perfect score? A bit much.

A 760 often suffices. Seriously, you'll snag the same sweet loan deals—amazing rates, the whole shebang—with a 760. Think about it: the marginal gain from 760 to 850 isn't worth the extra effort for most people. It's a matter of diminishing returns. My uncle, a financial advisor, always says the same thing.

Reaching that elusive 850 demands meticulousness. We're talking:

• Zero missed payments: Ever. Like, not even one late payment.
• Low credit utilization: Keep your credit card balances super low. I aim for under 10%.
• Diverse credit mix: A mix of credit cards, loans – shows responsible borrowing habits.
• Lengthy credit history: Years of responsible credit activity—this is a marathon, not a sprint.
• No new credit applications: Applying for too much credit will actually hurt your score.

The sheer effort required is...intense. Is it worth it? Depends on your priorities. For some, the pursuit itself becomes a life goal. I personally find that a bit excessive. I’m perfectly happy with my 780, I think. Though maybe I'll aim higher in 2024. That's my new goal. I'll focus on cutting my utilization.

What percentage of the population has an 850 credit score?

Okay, so 850 credit score? Man, that's like finding a unicorn.

It was last year, April 2023, I was at my cousin's wedding, remember? Everyone was talking finances, ugh.

Someone mentioned credit scores and bragging, lol.

Turns out, only like 1.7% of people in the US actually have a perfect 850. Crazy right?

It doesn't even really matter once you hit, say, 760, I guess. My opinion? Once you are above 780, lenders are already drooling.

Basically, it's all ego at that point, a personal achievement I suppose.

• Lower percentages of perfect scores exist.
• It's about being high, not perfect.
• Who cares after you get a good mortgage rate, you know?

Does anyone have a 950 credit score?

Ugh, 950 credit score? Seriously? That's insane. No way. 850 is the max, right? Always has been. FICO, VantageScore… they're the big names, everyone uses them.

My friend Mike brags about his 820, thinks he's hot stuff. 820! Pathetic. He's got a new car loan. Stupid. Should have saved. A 950? Maybe some niche scoring system, some obscure lender, some weird internal thing. Who cares?

I maxed out my credit cards last year. Regret. What was I thinking? Stupid. New phone, though. Needed it. I'm aiming for at least 750 by next year. Hopefully, I can accomplish that. 750 is my goal. It is realistic.

• FICO and VantageScore cap at 850. That's the standard. Period.
• Some other models exist, but irrelevant. Who uses them?
• 950 is a fantasy. A pipe dream. Unrealistic.
• My credit's a mess, but I'm working on it.
• Getting a 750 credit score is my current financial objective for 2024.

I need to pay off this stupid credit card debt. Ugh. Maybe I'll start a side hustle. Dog walking? Tutoring? Taxes are killing me this year.

Is it possible to get a 900 credit score?

Hey, so no way you're getting a 900 credit score here in the US, period. Uh, that's just not how it works here, ya know?

The top score is 850. It's like, the maximum. I saw my mom stressed about like, 820 once lol.

Other countries might be different. Like, maybe Canada? I dunno, I "think" they use a diffrent scoring system over there.

• US max: 850
• Possible 900? Nope, not here.
• My mom's score: 820 (ish)
• Canada: Maybe.

Honestly, anything above like, 750 is usually pretty good. Dont sweat it too much, i mean. Just pay your bills on time, ya know? That's the secret!!