Who has a 900 credit score?

No one has a 900 credit score on standard models, as the maximum is 850 (like FICO & VantageScore); however, some older or industry-specific scores (like FICO Auto/Bankcard) do go to 900, but achieving an 850 is extremely rare, representing the highest level of creditworthiness, and signifies near-perfect financial management.

Has anyone gotten an 850 credit score?

Yes, an 850 credit score is possible, representing the highest possible score, but it's very rare, achieved by only about 1.6% of people through consistent, long-term financial discipline like paying bills on time, maintaining low credit utilization, and having a long credit history. While getting to 850 is difficult, scores above 800 are considered exceptional and already unlock excellent lending terms, so aiming for 800+ offers most of the same benefits as a perfect score. 

How many have a 900 credit score?

In fact, only 1%-6% of people have credit score calculations of 850 or higher, and it's very difficult to get a perfect credit score calculated to 900. This is because you have to have a very long credit history in order to achieve this.

What is the highest credit score anyone has?

850 Credit Score: A Guide to Credit Scores

• An 850 credit score is the highest score you can receive from VantageScore ® and FICO ®.
• It is rare to have an 850 credit score, but not impossible, and may be useful when applying for credit opportunities.

What credit score is needed to buy a $400,000 house?

Credit score requirements to buy a $400,000 house depend on the type of home loan. FHA loans require a minimum credit score of 500, whereas borrowers usually need a 620 credit score to qualify for a conventional mortgage.

YOUR CREDIT SCORE DOESN'T MEAN SH*T, HERE'S WHY! (EXPERIAN)

How much of a house can I afford if I make $70,000 a year?

With a $70,000 salary, you can generally afford a house between $210,000 and $350,000, but your actual budget depends heavily on your credit score, existing debts, down payment, and current mortgage rates, with lenders often following the 28/36 rule (housing costs under 28% of gross income, total debt under 36%). A good starting point is keeping your total monthly housing payment (PITI) under $1,633, but a lower Debt-to-Income (DTI) ratio and larger down payment increase your buying power. 

How to raise your credit score 200 points in 30 days?

Raising your score 200 points in 30 days is very difficult unless there's a major error, but you can see fast improvements by paying down credit card balances (lowering utilization), ensuring on-time payments, disputing errors on your report, becoming an authorized user, or getting credit for bills like rent/utilities through services like Experian Boost, though a significant jump usually takes months of consistent habits like diversifying credit and limiting new applications. 

How rare is an 800 credit score?

An 800 credit score is considered exceptional, and while not perfectly rare (around 22-24% of US consumers have scores in the 800+ range as of 2025), it's still an impressive achievement indicating high creditworthiness, placing you in a top tier for the best loan rates and offers. It shows lenders you're very responsible, with long payment histories and low credit usage.
 

What is an amazing credit score?

An amazing credit score is generally considered to be in the exceptional range, typically 800-850 for the popular FICO model, although scores above 740 (Very Good) also open doors to excellent loan terms and lower interest rates, with the highest scores (800+) signifying top-tier financial responsibility. This high score range indicates to lenders that you're a very low-risk borrower, giving you access to the best credit card offers, mortgages, and auto loans with the most favorable interest rates. 

What is the 2 2 2 credit rule?

The 2-2-2 credit rule is a guideline for lenders, especially for mortgages, suggesting borrowers should have at least two active credit accounts, open for at least two years, with at least two years of on-time payments, sometimes also requiring a minimum credit limit (like $2,000) for each. It shows lenders you can consistently manage multiple debts, building confidence in your financial responsibility beyond just a high credit score, and helps you qualify for larger loans. 

What happens when your credit score is 900?

Your CIBIL Score is a 3-digit numeric summary of your credit history that indicates your creditworthiness and demonstrates your ability to repay a loan. CIBIL score ranges from 300 to 900. The closer your score is to 900, the higher are the chances of you getting your loan /credit card.

Does income affect your credit score?

No, your income doesn't directly affect your credit score, as it's not listed on your credit report; however, it indirectly impacts it by influencing your ability to manage debt, pay bills on time, and keep credit utilization low, all of which are key factors in your score. Higher income can lead to better credit management, higher limits, and thus better scores, while low income can make it harder to pay bills, potentially hurting your score. 

What credit score is needed for a $250000 house?

The credit score needed to buy a $250,000 house depends on the type of mortgage. The lowest credit score you could have and still secure a mortgage would be 500 (for an FHA loan with a 10% down payment). Expect to need a minimum credit score between 580 and 640 for other loans, depending on which kind you choose.

What was Steve Michelle's credit score?

Quick Summary. Engineer Steve Michell spent five years experimenting with his credit score to achieve a perfect 850. He closed credit cards, adjusted balances, and timed payments to optimize his score.

What is the 15 3 credit card trick?

The "15" and "3" refer to the days before your credit card statement's closing date. Specifically, the rule suggests you make one payment 15 days before your statement closes and another payment three days before it closes.

What credit score do you need for a $400,000 house?

Credit Score

When applying for a $400,000 home, lenders evaluate your credit scores to determine eligibility and the rates you'll receive: 740+: Best rates and terms. 700-739: Slightly higher rates. 660-699: Higher rates, may require larger down payment.

What is the average American credit score?

The average American FICO credit score hovers around 715, considered a "good" score, though it varies by scoring model and generation, with older adults generally having higher scores than younger ones. While FICO is the most common, the average VantageScore is around 702. 

What habits build a high credit score?

Pay your loans on time, every time

Some helpful ways to make sure your payments are on time are to set up automatic payments or electronic reminders. If you've missed payments, get current and stay current. Most credit scores consider repayment history as the number one factor for building a strong credit score.

What is the 2/3/4 rule?

The 2/3/4 rule: According to this rule, applicants are limited to two new cards in 30 days, three new cards in 12 months and four new cards in 24 months. The six-month or one-year rule: Some credit card issuers may let borrowers open a new credit card account only once every six months or once a year.

What credit card has a $100000 limit?

A $100,000 credit card limit is excellent, typically requiring top-tier credit, high income, and low debt, with cards like the Chase Sapphire Preferred rumored to offer such limits (though usually starting at $5,000), and some premium business cards, like Brex, designed for high spending. Reaching this limit depends on factors like your credit score, income, and responsible spending, and you can often request increases or report higher income to issuers. 

What are the 4 main credit cards?

The four major credit card networks are Visa, Mastercard, American Express, and Discover, acting as the payment infrastructure that facilitates transactions between consumers, merchants, and banks, with Visa and Mastercard having broader global acceptance, while Amex and Discover also issue cards directly.
 

What brings your credit score up the fastest?

Ways to improve your credit score

• Paying your loans on time.
• Not getting too close to your credit limit.
• Having a long credit history.
• Making sure your credit report doesn't have errors.

Does closing accounts hurt my credit score?

As outlined above, your credit utilization ratio is your total credit balance divided by the total credit that's available to you. Ideally, keep it under 30%. Closing accounts lowers your available credit and may increase this ratio, hurting your credit score.

Why is my credit score going down when I pay on time?

Your credit score can drop even with on-time payments due to increased credit utilization (using more of your limit), opening new accounts (shortening history), closing old accounts (reducing available credit), errors on your report, or paying off an installment loan (changing account mix). Lenders update balances at different times, so a large purchase reported before payment can temporarily lower it, even if you paid on time later.