No one has a credit score over 900 because standard credit scores range from a low of 300 to a high of 850. Less than 1.6% of people even have an 850 credit score, according to the credit-scoring company FICO, because it requires an impeccable payment history, low utilization and a diverse account mix, at the very least.
It is worth noting that some industry-specific and alternative credit scoring models may go up to 900+ points. However, they have a very limited use and usually are not publicly available. That’s why it’s important to just focus on the standard credit score range.
Percentage of U.S. Consumers by Credit Score Range
Credit Score | Category | U.S. Population |
800-850 | Perfect | 21% |
740-799 | Excellent | 25% |
670-739 | Good | 21% |
580-669 | Fair | 17% |
300-579 | Poor | 16% |
Source: Experian
If you want to learn how to take your credit score to the next level, sign up for a free WalletHub account. You can get personalized credit-improvement tips, daily credit score updates and more.
This answer was first published on 05/31/23 and it was last updated on 10/10/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.