The highest possible credit score is 850 according to both the FICO and VantageScore models. While older scoring models sometimes had higher maximums, currently 850 is the top score. Achieving an 850 credit score means excellent credit management, including timely payments, maintaining low credit utilization, having a long credit history, and a diverse mix of credit types. Only about 1-2% of Americans reach this perfect score level. Scores above 800 are generally considered exceptional and provide access to the best loan and credit card rates and terms.
