What Is the Highest Credit Score? How to Get an Excellent Credit Score

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CFEI"},"author":{"@type":"Person","name":"Jennifer Streaks","sameAs":"https://www.businessinsider.com/author/jennifer-streaks"},"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"What is the highest credit score? How to get an excellent credit score","alternativeHeadline":"What is the highest credit score?","image":{"@type":"ImageObject","url":"https://i.insider.com/636d3521951bdc00182d8888?width=1200&format=jpeg","width":1200,"height":900,"caption":"An excellent credit score starts with paying every bill on time."},"name":"What is the highest credit score?","datePublished":"2024-11-07T21:47:47Z","dateModified":"2024-11-07T21:47:47Z","description":"The highest possible credit score you can get is considered an excellent credit score, and it makes borrowing money easier and cheaper. Learn the factors that impact your score and how you can improve it.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit score services to help you make smart decisions with your money.Credit scores are an essential part of adulthood. The three-digit number is an indicator of your trustworthiness as a borrower. The higher your credit score, the easier it is to borrow money. The highest credit score you can achieve is 850, which is an excellent credit score. A credit score categorized as \"excellent\" will put you in the highest echelon. With it, you'll see benefits such as the lowest available interest rates, higher borrowing limits, easy approval for rental apartments, and cheaper auto insurance. While obtaining an excellent credit score can be difficult, you'll find it worthwhile.This article will discuss the factors that impact your credit score and provide steps you can take to achieve the highest credit score possible. There are two different credit scoring models: FICO and VantageScore, both of which start at 300 (a poor credit score). Each model divides this range into five categories: poor, fair, good, very good, and excellent. Excellent credit scores start at 800 for FICO and 781 for VantageScore. But the highest credit score you can achieve on both models is 850. The credit score ranges for the five score categories for FICO and VantageScore are as follows: Credit scores in the US have been steadily rising over the past two decades. The average credit score in 2023 is 718 for FICO and 701 for VantageScore. This is partly because new credit builder accounts and rent reporting services have made it easier to establish a positive credit history. Additionally, there are many more educational resources now publicly available on how credit scores are calculated.Understanding the factors that contribute to your credit score is key to improving it. Here's how VantageScore and FICO scores are determined:Payment history (35%)Credit balance (30%)Length of credit history (15%)New credit (10%)Mix of credit accounts (10%)Payment history (40%)Length & type of credit (21%)Percent of credit used (20%)Total debt/balances (11%)Recent credit behavior and inquiries (5%)Available credit (3%)With this foundation laid out, let's look at ways to improve your credit score to achieve excellent credit.As payment history is the most important factor used to determine your credit score, having a negative mark like a delinquent payment can lower your credit score and ruin your chances of an excellent credit score for years. You can set up automatic payments on your credit accounts if you're having trouble keeping up with various accounts and due dates. Looking into debt consolidation may also help simplify your debt. With credit cards in particular, it may help if you pay off your credit card balance several times each month. Your credit utilization ratio indicates how much of the money you're currently borrowing compared to your credit limit on revolving credit lines. It's generally recommended that you keep this ratio under 30%. However, the lower your ratio, the better. A survey of 100,000 LendingTree users with excellent credit scores found that the average consumer with an excellent credit score keeps a credit utilization ratio of 5.7% on a credit limit of $58,514 spread over 7.9 accounts. Meanwhile, the average person living in a large US metro uses 16% to 33% of their credit limit.But that doesn't mean you should remain debt-free. In fact, there's no way to build credit without borrowing money, since it requires proving you're able to pay back a lender on time and in full. According to Experian data on consumers with 850 FICO credit scores, the average personal loan balance of consumers with perfect credit scores is $32,872 compared to the average consumer, who has $17,064 of personal loan debt. That said, consumers with 850 FICO scores had roughly half the amount of credit card debt compared to the average consumer: $2,558 to $5,221.While you can keep your utilization ratio low by consistently paying off your balances, you can also increase your credit limit. A higher credit limit means your spending won't have as large of an impact. You can request a credit limit increase every six months or so.When you apply for credit — whether it's for a new credit card, a mortgage, or an auto loan — and a lender issues a credit check, it will appear on your credit report and may influence your credit score. This is referred to as a hard inquiry. Each hard inquiry lowers your credit score. Several hard inquiries at once will have a greater impact on your credit score and may raise red flags for lenders because they signal a high volume of new accounts in a short period of time. This may indicate to lenders that you might be prone to overspending. A hard inquiry will stop factoring into your credit score after it turns one year old. After two years, a hard inquiry falls off your credit report. That said, a hard inquiry shouldn't prevent you from applying for more credit. On average, consumers with perfect credit scores have 5.9 credit cards compared to the average 3.9 credit cards. Across all age groups, the average person with excellent credit has 21.7 years of credit history. The longer a borrower has held onto an account in good standing, the more positive the impact on their credit score. Even the average Gen Zer, the youngest generation included in LendingTree's analysis, has an oldest active account of 17.9 years.It is important to note that credit scores do not happen in a vacuum. For example, a member of Gen Z, which the LendingTree survey categorizes as someone who is between 18 and 24 years old, could only have an oldest active account of 17.9 months if someone made them an authorized user on a credit card when they were a child. Credit scores are also correlated to income level, as building credit can be cost-prohibitive. Many credit cards available to people with bad credit will have higher APRs or require cardholders to put up collateral in the form of a security deposit or their possessions. Achieving an excellent credit score will help you qualify for the best loan terms and interest rates. It will also help you get approved for higher credit limits on credit cards, and an excellent credit score will result in lower insurance premiums, easier apartment rentals, and even better employment prospects as more and more employers are doing background checks.Though you don't necessarily need an excellent credit score, it can certainly help you lead an easier financial life. The best credit score is 850. Just 1.31% of all consumers have 850 credit scores. Only 24.1% of consumers have a FICO score between 800-850.The fastest way to increase your credit score is to pay all of your bills on time for a positive payment history and keep your credit utilization under 30%. If you find errors on your credit report, you should immediately dispute them with all three credit bureaus.","articleSection":"Personal Finance, Credit, Credit Score","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is the best credit score?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The best credit score is 850. Just 1.31% of all consumers have 850 credit scores. </p>"}},{"@type":"Question","name":"What percent of the population has a credit score over 800?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Only 24.1% of consumers have a FICO score between 800-850.</p>"}},{"@type":"Question","name":"What is the fastest way to increase my credit score?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The fastest way to increase your credit score is to pay all of your bills on time for a positive payment history and keep your credit utilization under 30%. </p>"}},{"@type":"Question","name":"What should I do if I find errors on my credit report?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">If you find errors on your credit report, you should immediately dispute them with all <a href=\"https://www.businessinsider.com/personal-finance/credit-score/credit-bureau-experian-equifax-transunion\" data-analytics-product-module=\"body_link\" 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role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class="" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/credit-score" class="" data-track-click="{"product_field":"Credit Score","element_name":"breadcrumbs","event":"navigation"}" > Credit Score </a> </span> </div> <h1 class="post-headline ">What is the highest credit score?</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Jennifer Streaks" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/jennifer-streaks" >Jennifer Streaks</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/libby-kane" >Libby Kane</a> </div> <div class="byline-updated"> 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class="image-caption headline-semibold" data-e2e-name="image-caption" > <span class="image-caption-text">The highest credit score starts with paying every bill on time.</span> <span class="image-source-text"> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText" > JGI/Jamie Grill/Getty Images </span> </span> </figcaption> </span> </figure> <div class="typography sticky-toc-post-wrapper"> <nav class="sticky-toc js-sticky-toc-dropdown hide-menu headline-semibold helpfulness-mobile-toc" data-component-type="sticky-toc" > <div class="sticky-toc-title-wrapper helpfulness-mobile-toc" > <div class="helpfulness-mobile-toc-title"> <span class="helpfulness-mobile-toc-jump-to">JUMP TO</span> <span class="headline-regular helpfulness-mobile-toc-section">Section</span> </div> <div class="sticky-toc-dropdown-button js-sticky-toc-dropdown-button"> <span class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" 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credit score </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#benefits-of-having-an-excellent-credit-score" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Benefits of having an excellent credit score </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faq" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQ </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#the-highest-credit-score-from-fico-and-vantagescore" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > The highest credit score from FICO and VantageScore </a> </li> <li> <a href="#how-to-achieve-the-highest-credit-score" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to achieve the highest credit score </a> </li> <li> <a href="#benefits-of-having-an-excellent-credit-score" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Benefits of having an excellent credit score </a> </li> <li> <a href="#faq" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQ </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/credit-score/methodology" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate credit score services</a> to help you make smart decisions with your money.</p><p></p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><ul class="summary-list"> <li aria-level="1">The highest credit score is 850, according to Fair Isaac Corp.'s FICO model.</li> <li aria-level="1">An excellent credit score gives you lower interest rates and other benefits on borrowed money. </li> <li aria-level="1">Excellent credit scores require multiple open accounts, low utilization ratios, and no late payments.</li> </ul><p><a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-a-credit-score" data-analytics-product-module="body_link" rel="">Credit scores</a> are an essential part of adulthood. The three-digit number is an indicator of your trustworthiness as a borrower. The higher your credit score, the easier it is to borrow money. </p><p>The highest credit score you can achieve is 850, which is an excellent credit score. A credit score categorized as "excellent" will put you in the highest echelon. With it, you'll see benefits such as the lowest available interest rates, higher borrowing limits, easy approval for rental apartments, and cheaper auto insurance. While obtaining an excellent credit score can be difficult, you'll find it worthwhile.</p><p>This article will discuss the factors that impact your credit score and provide steps you can take to achieve the highest credit score possible. </p><h2 data-toc-label="The highest credit score from FICO and VantageScore" id="the-highest-credit-score-from-fico-and-vantagescore" class="toc-anchor"><strong>The highest credit score from FICO and VantageScore </strong></h2><p>There are two different credit scoring models: FICO and VantageScore, both of which start at 300 (a poor credit score). Each model divides this range into five categories: poor, fair, good, very good, and excellent. Excellent credit scores start at 800 for <a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-fico-score" data-analytics-product-module="body_link" rel="">FICO</a> and 781 for <a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-vantagescore" data-analytics-product-module="body_link" rel="">VantageScore</a>. But the highest credit score you can achieve on both models is 850. </p><p>The credit score ranges for the five score categories for FICO and VantageScore are as follows: </p><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%; height: 126px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 21px;"><td style="width: 33.3333%; height: 21px;" class="headline-regular headline-semibold">Credit score category</td><td style="width: 33.3333%; height: 21px;" class="headline-regular headline-semibold">FICO</td><td style="width: 33.3333%; height: 21px;" class="headline-regular headline-semibold">VantageScore</td></tr><tr style="height: 21px;"><td style="width: 33.3333%; height: 21px;" class="headline-regular headline-semibold">Poor</td><td style="width: 33.3333%; height: 21px;" class="headline-regular">300-579</td><td style="width: 33.3333%; height: 21px;" class="headline-regular">300-499</td></tr><tr style="height: 21px;"><td style="width: 33.3333%; height: 21px;" class="headline-regular headline-semibold">Fair</td><td style="width: 33.3333%; height: 21px;" class="headline-regular">580-669</td><td style="width: 33.3333%; height: 21px;" class="headline-regular">500-600</td></tr><tr style="height: 21px;"><td style="width: 33.3333%; height: 21px;" class="headline-regular headline-semibold">Good</td><td style="width: 33.3333%; height: 21px;" class="headline-regular">670-739</td><td style="width: 33.3333%; height: 21px;" class="headline-regular">601-660</td></tr><tr style="height: 21px;"><td style="width: 33.3333%; height: 21px;" class="headline-regular headline-semibold">Very good</td><td style="width: 33.3333%; height: 21px;" class="headline-regular">740-799</td><td style="width: 33.3333%; height: 21px;" class="headline-regular">661-780</td></tr><tr style="height: 21px;"><td style="width: 33.3333%; height: 21px;" class="headline-regular headline-semibold">Excellent</td><td style="width: 33.3333%; height: 21px;" class="headline-regular">800-850</td><td style="width: 33.3333%; height: 21px;" class="headline-regular">781-850</td></tr></tbody></table></div><h2 data-toc-label="How to achieve the highest credit score" id="how-to-achieve-the-highest-credit-score" class="toc-anchor"><strong>How to achieve the highest credit score</strong></h2><p>Credit scores in the US have been steadily rising over the past two decades. The <a href="https://www.businessinsider.com/personal-finance/credit-score/average-credit-score" data-analytics-product-module="body_link" rel="">average credit score</a> in 2023 is 718 for FICO and 701 for VantageScore. </p><p>This is partly because new <a href="https://www.businessinsider.com/personal-finance/credit-score/best-credit-builder-loans" data-analytics-product-module="body_link" rel="">credit builder accounts</a> and <a href="https://www.businessinsider.com/personal-finance/credit-score/best-rent-reporting-services" data-analytics-product-module="body_link" rel="">rent reporting services</a> have made it easier to establish a positive credit history. Additionally, there are many more educational resources now publicly available on <a href="https://www.businessinsider.com/personal-finance/credit-score/how-is-credit-score-calculated" data-analytics-product-module="body_link" rel="">how credit scores are calculated</a>.</p><p>Understanding the factors that contribute to your credit score is key to improving it. Here's how <a href="https://www.businessinsider.com/personal-finance/credit-score/fico-vs-vantagescore" data-analytics-product-module="body_link" rel="">VantageScore and FICO</a> scores are determined:</p><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%; height: 262px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">FICO</td><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">VantageScore</td></tr><tr style="height: 240px;"><td style="width: 50%; height: 240px;" class="headline-regular headline-semibold"><p class="headline-regular">Payment history (35%)</p><p class="headline-regular">Credit balance (30%)</p><p class="headline-regular">Length of credit history (15%)</p><p class="headline-regular">New credit (10%)</p><p class="headline-regular">Mix of credit accounts (10%)</p></td><td style="width: 50%; height: 240px;" class="headline-regular"><p class="headline-regular">Payment history (40%)</p><p class="headline-regular">Length & type of credit (21%)</p><p class="headline-regular">Percent of credit used (20%)</p><p class="headline-regular">Total debt/balances (11%)</p><p class="headline-regular">Recent credit behavior and inquiries (5%)</p><p class="headline-regular">Available credit (3%)</p></td></tr></tbody></table></div><p>With this foundation laid out, let's look at ways to <a href="https://www.businessinsider.com/personal-finance/credit-score/how-to-improve-credit-score" data-analytics-product-module="body_link" rel="">improve your credit score</a> to achieve excellent credit.</p><h3>1. Pay your bills on time — every time</h3><p>As payment history is the most important factor used to determine your credit score, having a negative mark like a <a href="https://www.businessinsider.com/personal-finance/credit-score/credit-report-delinquency" data-analytics-product-module="body_link" rel="">delinquent payment</a> can <a href="https://www.businessinsider.com/personal-finance/credit-score/why-did-credit-score-drop" data-analytics-product-module="body_link" rel="">lower your credit score</a> and ruin your chances of an excellent credit score for years. </p><p>You can set up automatic payments on your credit accounts if you're having trouble keeping up with various accounts and due dates. Looking into <a href="https://www.businessinsider.com/personal-finance/personal-loans/how-to-consolidate-debt" data-analytics-product-module="body_link" rel="">debt consolidation</a> may also help simplify your debt. With credit cards in particular, it may help if you pay off your credit card balance several times each month. </p><h3><strong>2. Keep your credit utilization rate low</strong></h3><p>Your <a href="https://www.businessinsider.com/personal-finance/credit-score/credit-utilization-ratio" data-analytics-product-module="body_link" rel="">credit utilization ratio</a> indicates how much of the money you're currently borrowing compared to your credit limit on <a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-revolving-credit" data-analytics-product-module="body_link" rel="">revolving credit lines</a>. It's generally recommended that you keep this ratio under 30%. However, the lower your ratio, the better. </p><p>A survey of 100,000 LendingTree users with excellent credit scores found that the average consumer with an excellent credit score keeps a credit utilization ratio of 5.7% on a credit limit of $58,514 spread over 7.9 accounts. Meanwhile, the average person living in a large US metro uses 16% to 33% of their credit limit.</p><p>But that doesn't mean you should remain debt-free. In fact, there's no way to <a href="https://www.businessinsider.com/personal-finance/credit-score/how-to-build-credit" data-analytics-product-module="body_link" rel="">build credit</a> without borrowing money, since it requires proving you're able to pay back a lender on time and in full. According to <a href="https://www.experian.com/blogs/ask-experian/perfect-scores-who-has-them-and-what-do-they-have-in-common/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">Experian data</a> on consumers with 850 FICO credit scores, the average personal loan balance of consumers with perfect credit scores is $32,872 compared to the average consumer, who has $17,064 of personal loan debt. That said, consumers with 850 FICO scores had roughly half the amount of credit card debt compared to the average consumer: $2,558 to $5,221.</p><p>While you can keep your utilization ratio low by consistently paying off your balances, you can also increase your credit limit. A higher credit limit means your spending won't have as large of an impact. You can <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-increase-credit-limit" data-analytics-product-module="body_link" rel="">request a credit limit increase</a> every six months or so.</p><iframe data-load-strategy="lazy" data-src="https://products.gobankingrates.com/pub/4a1ed106-7289-11ed-9a44-0a919b37cd73" scrolling="no" frameborder="0" width="100%" height="139px" style="max-width:595px;max-height:150px;"></iframe><h3><strong>3. Keep credit inquiries to a minimum</strong></h3><p>When you apply for credit — whether it's for a new credit card, a mortgage, or an auto loan — and a lender issues a credit check, it will appear on your credit report and may influence your credit score. This is referred to as a <a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-hard-credit-inquiry" data-analytics-product-module="body_link" rel="">hard inquiry</a>. </p><p>Each hard inquiry lowers your credit score. Several hard inquiries at once will have a greater impact on your credit score and may raise red flags for lenders because they signal a high volume of new accounts in a short period of time. This may indicate to lenders that you might be prone to overspending. </p><p>A hard inquiry will stop factoring into your credit score after it turns one year old. After two years, a hard inquiry falls off your <a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-credit-report" data-analytics-product-module="body_link" rel="">credit report</a>. That said, a hard inquiry shouldn't prevent you from applying for more credit. On average, consumers with perfect credit scores have 5.9 credit cards compared to the average 3.9 credit cards. </p><h3>4. Age of accounts matters</h3><p>Across all age groups, the average person with excellent credit has 21.7 years of credit history. The longer a borrower has held onto an account in good standing, the more positive the impact on their credit score. Even the average Gen Zer, the youngest generation included in LendingTree's analysis, has an oldest active account of 17.9 years.</p><p>It is important to note that credit scores do not happen in a vacuum. For example, a member of Gen Z, which the LendingTree survey categorizes as someone who is between 18 and 24 years old, could only have an oldest active account of 17.9 months if someone made them an <a href="https://www.businessinsider.com/personal-finance/credit-cards/add-child-authorized-user-credit-card" data-analytics-product-module="body_link" rel="">authorized user</a> on a credit card when they were a child. </p><p>Credit scores are also correlated to income level, as building credit can be cost-prohibitive. Many <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards-for-bad-credit" data-analytics-product-module="body_link" rel="">credit cards available to people with bad credit</a> will have higher APRs or require cardholders to put up collateral in the form of a security deposit or their possessions. </p><h2 data-toc-label="Benefits of having an excellent credit score" id="benefits-of-having-an-excellent-credit-score" class="toc-anchor">Benefits of having an excellent credit score</h2><p>Achieving an excellent credit score will help you qualify for the best loan terms and interest rates. It will also help you get approved for higher credit limits on credit cards, and an excellent credit score will result in lower insurance premiums, easier apartment rentals, and even better employment prospects as more and more employers are doing background checks.</p><p>Though you don't necessarily need an excellent credit score, it can certainly help you lead an easier financial life. </p><h2 data-toc-label="FAQ" id="faq" class="toc-anchor">Frequently asked questions about the highest credit score</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the best credit score? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The best credit score is 850. Just 1.31% of all consumers have 850 credit scores. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What percent of the population has a credit score over 800? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Only 24.1% of consumers have a FICO score between 800-850.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the fastest way to increase my credit score? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The fastest way to increase your credit score is to pay all of your bills on time for a positive payment history and keep your credit utilization under 30%. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What should I do if I find errors on my credit report? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">If you find errors on your credit report, you should immediately dispute them with all <a href="https://www.businessinsider.com/personal-finance/credit-score/credit-bureau-experian-equifax-transunion" data-analytics-product-module="body_link" rel="">three credit bureaus</a>.</p> </div> </div> </div><iframe data-src="https://products.gobankingrates.com/pub/63fc102c-ec11-4275-8058-84bf3767dcc9?targeting[subcategory]=credit&resize=1&ident=99&pub_inventory=credit-score/what-is-an-excellent-credit-score-pfi-credit" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/jennifer-streaks" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="jennifer-streaks"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/62f3e3cecc15bf00182fc9c4?crop=1:1&width=256&format=jpeg&auto=webp" alt="Jennifer Streaks"> <noscript> <img src="https://i.insider.com/62f3e3cecc15bf00182fc9c4?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/jennifer-streaks" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Jennifer Streaks</div> </a> <div class="post-author_title headline-regular">Senior Personal Finance Reporter and Spokesperson</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Jennifer Streaks is a Personal Finance Expert and Journalist who writes about credit and all things money for Business Insider. Committed to financial literacy and economic empowerment, she has covered financial topics for over a decade, writing about her own experiences and sharing her expertise to give consumers actionable financial advice.</span><span>Along with exploring credit scores, credit reports, and how to build credit, Jennifer analyzes how current economic trends impact everyday people and offers her expert advice on budgeting, saving, and growing wealth in today’s economy. She regularly appears as an on-air financial commentator on programs like Good Morning America, Yahoo! Finance, CBS, and MSNBC.</span><span><span class="headline-semibold">Experience</span></span><span>Before joining Business Insider, Jennifer was a financial contributor for CNBC and covered personal finance, entrepreneurship, tech, and the economy for Forbes. Her work has appeared in TheGrio, Black Enterprise, and USA Today. </span><span>Jennifer is also the author of "<a href="https://www.amazon.com/Thrive-Affordably-month-month-breaking/dp/0692625941" rel=" nofollow">Thrive! ... Affordably: Your Month-to-Month Guide to Living Your Best Life Without Breaking the Bank</a>." The book offers advice, tips, and financial management lessons geared toward helping the reader highlight strengths, identify missteps, and take control of their finances.</span><span>Jennifer’s most important financial advice to her friends is to <em>always</em> have an emergency fund.</span><span><span class="headline-semibold">Expertise</span></span><span>Jennifer’s expertise includes:</span><ul><li><span>Credit scores</span></li><li><span>Credit history</span></li><li><span>Credit reports</span></li><li><span>Budgeting</span></li><li><span>Saving </span></li><li><span>Housing </span></li><li><span>Retirement</span></li><li><span>The economy</span></li><li><span>Financial trends</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Jennifer earned an MBA from The Johns Hopkins University Carey School of Business and completed the Wharton Seminar for Business Journalists.</span><span>Jennifer is based in New York City.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> </div> </div> </div> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! 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