What is the Highest Credit Score You Can Get?

What is the highest credit score you can get?  The answer: there are multiple credit score ranges.  This article will make it easy for you and show you the ranges of the most common credit score models.  Double check which model your scores uses to see where it falls.

FICO Credit Score Range: 300 to 850

The FICO score is the most widely used credit score.  Experian, Equifax, and TransUnion all use it, but have different names for it.  FICO is what you’ll get from www.AnnualCreditReport.com.  What is the highest credit score you can have?

  • Equifax BEACON® Score: 300 to 850
  • Experian FICO® Risk Score, Classic: 300 to 850
  • TransUnion FICO® Risk Score, Classic: 300 to 850

Experian PLUS Score Range: 330 to 850what is the highest credit score you can get

Experian lists above 700 as a good credit score range, indicating good credit management.  You will get three scores through Experian.  What is the highest credit score?

  • Equifax PLUS Score: 330 to 850
  • Experian PLUS Score: 330 to 850
  • TransUnion PLUS Score: 330 to 850

Equifax Credit Score Range: 280 to 850

Equifax also will supply all three credit scores on its own scale.  What is the best credit score you can have?

  • Equifax: 280 to 850
  • Experian: 280 to 850
  • TransUnion: 280 to 850

VantageScore® Range: 501 to 990

TransUnion supplies a score for all three bureaus using the VantageScore® model.  What is the highest credit score possible?

  • Equifax: 501 to 990
  • Experian: 501 to 990
  • TransUnion: 501 to 990
what is the highest credit score you can have

Example of a Credit Score Range: VantageScore® Purchased Through TransUnion

See Your Score on a Sliding Scale

To see where you fall, get your report for free.  Healthy scores on one model will mean good scores on other models.  You are entitled a free report from each bureau annually, as per the Fair and Accurate Credit Transactions Act of 2003.  The only government-authorized free report site is www.annualcreditreport.com, which will give you free reports, but make you pay for the actual score.  If you use another site, be sure to cancel before the trial period ends to prevent any hidden charges.  For example, the TransUnion VantageScore® requires cancellation before a 7 day trial period ends.

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“Credit Education.” Credit Information. TransUnion, n.d. Web. 05 Dec. 2013.

“More than a Credit Score. The Score That Matters®.” MyFICO. FICO, n.d. Web. 9 Jan. 2014.

“Understanding Credit Scores and Reports.” Understanding Credit Scores at Experian.com. N.p., n.d. Web. 05 Dec. 2013.

“Why Are There Different Credit Scores?” Different Credit Scores. Equifax, n.d. Web. 05 Dec. 2013.