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You can get all of the benefits of near-perfect credit once your FICO score passes 800, so there’s not much reason to put any extra effort toward earning an 850 credit score.
Habit 8: They Use Credit Freezes. Credit freezes are a popular tool among people with nearly perfect credit scores. A credit freeze blocks access to your credit reports, making it harder for ...
You have an excellent credit score if your credit score falls within the 800 to 850 range for FICO — which is most commonly used by lenders — and the 781 to 850 range for VantageScore.
Just 21% of consumers have a credit score of 800 or above, according to Experian. An 800 credit score means you’ll qualify for the best lending terms. That can lead to serious savings over time.
The average FICO Score 8 in the US was 710 in 2020 [20] and 716 in April 2021. [21] The FICO bankcard score, FICO auto score, FICO personal finance score, and FICO installment loan score are between 250 and 900. The FICO Mortgage Score and FICO Score XD 2 are between 300 and 850. [22] [23] Higher scores indicate lower credit risk. [24]
Getting an 800 credit score requires time and good payment history. But there are other things you can do. Here are eight steps you can take to help.
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