Achieving a perfect credit score of 900 is not possible, as only 1% of the population can reach a score of 850. To get the highest possible credit score, it is important to practice good credit habits consistently and for a long time. The most important factors in determining your ratings are making payments on time and keeping your credit utilization rate low. Never let bills go into collection, as this can greatly affect your credit report and prevent you from scoring high.
FICO creates industry-specific credit rating models tailored to certain credit products, such as credit cards, car loans, and mortgage loans. Therefore, a credit score of 900 is not possible with those models, which include VantageScore 3.0 and 4.0, as well as FICO 8 and 9.In the standard 300-850 range used by FICO and VantageScore, a credit rating of more than 800 is considered “perfect”. Even if you manage to get the highest possible credit score, it is unlikely that you will achieve it month after month. You will receive a personalized credit analysis that will tell you exactly how to improve your credit and how long it will take you. Ulalzheimer says you don't need a FICO score of 850 to get the best interest rates or APR on credit cards and loans.
Both proudly displayed computer screenshots demonstrating that they had reached the top of the credit rating. Unlike Ulezheimer, Stevens says accumulating a perfect FICO credit score of 850 has been his goal for a few decades. To get the highest possible credit score, it is important to practice good financial habits such as making payments on time and keeping your credit utilization rate low. You will receive a personalized credit analysis that will tell you exactly how to improve your credit and how long it will take you.
