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What is the highest credit score?

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  • July 10, 2024 at 10:04 pm #431
    KikoffKikoff
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    July 10, 2024 at 10:52 pm #481
    KikoffKikoff
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    Credit scores in general are numbers that lenders and credit card companies use to see how “credit worthy” you are (ie, will you pay the money they lend back).st

    The highest your credit score can be is 850, but not very many people have a perfect score. Only about 1.5% of Americans have an 850 credit score, so don’t sweat it if your credit isn’t perfect.

    The two main credit scores, FICO and VantageScore, start at 300 and go all the way up to 850, with different rungs up the ladder.

    Here is how the different rankings break down.

    FICO score ranges:

    • Below 580: poor
    • 580 to 669: fair
    • 670 to 739: good
    • 740 to 799: very good
    • 800 and above: Exceptional

    VantageScore ranges:

    • 300 to 600: subprime
    • 601 to 660: near prime
    • 661 to 780: prime
    • 781 to 850: superprime

    The higher your credit score, the better you look on paper to different lenders. On the other hand, the lower your credit score, the riskier you look to them, making it harder to get lines of credit or loans.

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The information provided in this blog post is meant for informational purposes only and does not constitute financial advice. Kikoff Inc. is a financial technology company and not a bank. The Kikoff Secured Credit Card is issued by Coastal Community Bank, Member FDIC. Terms and conditions apply & individual results may vary. Make consistent on-time payments to maximize credit building potential.  Credit factors outside Kikoff, like other account balances or delinquencies, can have an impact on credit building progress.  Subject to approval via identity verifications and subject to terms and conditions. Kikoff Credit Account reported line of credit intended exclusively for credit building purposes & can be used to finance the purchase of monthly Credit Service plans and/or digital educational material via the Kikoff Store. For more information, visit our Terms and Conditions and Privacy Policy. We report to the major credit bureaus: Equifax, Experian, and TransUnion. Features, tradelines, bureau reporting, & pricing may vary depending on plan purchased. This post may contain marketing messages and advertisements in compliance with the CAN-SPAM Act. Please refer to our Secured Card and Credit Account Terms for detailed product disclaimers.

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1 Based on real Kikoff members who made a purchase with the Kikoff Credit Account between January 2021 and March 2024 with starting scores below 600 and made their first payment saw an average Equifax Vantage 3.0 score increase of 28 points after their first month. Late payment may negatively impact your credit score. Individual results may vary.

2 Based on Kikoff customers who used the ⁨Credit Account⁩ product and made on-time payments, and didn’t add non-Kikoff delinquencies/collections to their credit profile. This data is based on observed Equifax Vantage 3.0 credit score changes, and is current as of November 2022.

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