The Most Perfect Credit Score: A Comprehensive Ranking

Choose the credit score you think is the most perfect!

Author: Gregor Krambs
Updated on Apr 17, 2024 06:45
Welcome to StrawPoll, where your opinions matter! Today, we present to you an exciting ranking poll that tackles the ever-elusive question – "What is the most perfect credit score?" We've gathered a range of credit scores for you to choose from, or even suggest your own missing option. Join thousands of others in casting your vote and contribute to this ever-evolving discussion on financial perfection. With your participation, we aim to create a comprehensive and engaging ranking that not only sparks curiosity but also educates our audience on the importance of credit scores. So, let's dive into this thrilling debate and unlock the secret to the most perfect credit score together!

What Is the Most Perfect Credit Score?

  1. 1


    The highest credit score achievable is 850, according to most credit scoring models. This score is considered perfect because it indicates that the borrower has a long and excellent credit history with no late payments, defaults, or other negative marks.
    The '850' is the highest possible credit score that individuals can achieve, representing a perfect credit rating. It is considered an exceptional achievement and demonstrates a strong creditworthiness.
    • Score Range: 850
    • Implications: Indicates a very low risk of default on loans and credit obligations.
    • Creditworthiness: Reflects an excellent credit history and responsible financial behavior.
    • Interest Rates: May qualify for the lowest interest rates and most favorable terms on loans and credit cards.
    • Lender Preference: Highly preferred by lenders and creditors for borrowing opportunities.
  2. 2


    Though not commonly used, some credit scoring models allow for a maximum score of 900. Achieving this score requires a spotless credit report and a long history of responsible borrowing.
    The '900' is a term used to refer to the highest possible credit score someone can achieve. It represents an exceptional level of creditworthiness and financial responsibility.
    • Range: The '900' credit score typically falls within a credit score range of 300 to 900, with 900 being the best score.
    • Creditworthiness: A '900' credit score indicates an excellent creditworthiness and a low risk of default for potential lenders.
    • Payment History: A '900' credit score signifies a long history of on-time payments and no missed payments or defaults.
    • Debt Level: Individuals with a '900' credit score have low credit utilization, meaning they have a small percentage of their available credit limit in use.
    • Credit Mix: Having a diverse mix of credit accounts, such as mortgages, credit cards, and loans, can contribute to achieving a '900' credit score.
  3. 3


    The VantageScore 3.0 model, used by some lenders, has a maximum score of 990. This score is rare but achievable with a perfect credit history.
    The '990' is a hypothetical credit score that represents the highest level of creditworthiness attainable.
    • Range: 990
    • Creditworthiness: Excellent
    • Creator: Fictional
    • Credit Reporting Agencies: Not applicable
    • Usage: Theoretical example
  4. 4
    The UltraFICO score, a newer credit scoring model, has a maximum score of 1,000. This score takes into account factors such as bank account balances and transaction history in addition to traditional credit report data.
    The '1,000' is the highest achievable credit score, indicating a perfect credit history and exceptional financial responsibility.
    • Score Range: 0 - 1,000
    • Creditworthiness: Extremely high
    • Risk of Default: Negligible
    • Payment History: No late payments or defaults
    • Credit Utilization: Very low
  5. 5
    The FICO 10 scoring model, which is not widely used yet, allows for a maximum score of 1,200. This score is based on a broader range of credit data and may be more difficult to achieve than other scores.
    The '1,200' is a hypothetical credit score created to represent the most perfect credit score possible.
    • Score Range: 1,200 - 1,200
    • Creditworthiness: Excellent
    • Risk Level: Negligible
    • Default Probability: Extremely Low
    • Credit History: Impeccable
  6. 6
    Some lenders may consider an even higher score than 850 to be perfect, as it indicates an extremely low risk of default. However, the specific threshold may vary depending on the lender and the type of credit being applied for.
    The '850+' credit score is the highest possible credit score, indicating an exceptional level of creditworthiness. It signifies a flawless credit history, responsible financial habits, and a low risk of defaulting on loans or payments. Only a small percentage of consumers achieve this score, making it a rare and highly coveted achievement in the world of credit assessment.
    • Range: 850 to 900+
    • Creditworthiness: Exceptional
    • Risk of Default: Very Low to Nonexistent
    • Lending Eligibility: Highly favored by lenders
    • Interest Rates: Most favorable rates offered
  7. 7
    Similarly, some lenders may use a different credit scoring model that allows for higher scores. In these cases, a score of 900 or higher may be considered perfect.
    The '900+' credit score is a hypothetical concept that represents the highest possible credit worthiness a person can achieve. It symbolizes an exceptionally strong credit profile and demonstrates a perfect track record of managing credit and financial obligations.
    • Score Range: 900-1000
    • Credit Worthiness: Extremely Low Risk
    • Payment History: No missed or late payments
    • Credit Utilization: Very low or zero balance
    • Credit Mix: Well-diversified credit portfolio
  8. 8
    As mentioned, the UltraFICO score can go up to 1,000 and may be considered perfect by some lenders. This score is based on a more comprehensive view of a borrower's financial behavior.
    The '1,000+' credit score is a hypothetical concept used to explain the highest possible credit score. It represents a theoretical credit score that exceeds the conventional range of 300 to 850.
    • Range: 1,000+
    • Maximum Score: 1,000+
    • Unprecedented Level: Yes
    • Perceived Risk: Extremely Low
    • Creditworthiness: Exceptional
  9. 9
    Like the FICO 10 score, other newer credit scoring models may allow for higher maximum scores. Achieving a score of 1,200 or higher would require a near-perfect credit history and financial behavior.
    The '1,200+' is a revolutionary credit score system that goes beyond the traditional credit scoring range of 300 to 850. It introduces an enhanced scale that allows for scores exceeding 850, denoting the most perfect credit scores achievable.
    • Credit Score Range: 1,200 and above
    • Accuracy: Extremely precise and tailored to individual credit profiles
    • Inclusivity: Comprehensive evaluation of creditworthiness, including factors beyond traditional credit history
    • Greater Differentiation: Provides a finer granularity of credit assessment
    • Innovation: Integrates cutting-edge algorithms and technology
  10. 10


    It's worth noting that some lenders may not use a traditional credit scoring model at all, instead relying on other factors such as income, employment history, and debt-to-income ratio to evaluate a borrower's creditworthiness. In these cases, there may not be a specific "perfect" credit score.
    The 'N/A' (Not Applicable) credit score is a term used to indicate that a person does not have a traditional credit history to generate a credit score. It is commonly used for individuals who have not yet established credit, such as young adults or recent immigrants.
    • Score range: N/A
    • Factors considered: N/A
    • Credit history: Not applicable
    • Creditworthiness: Cannot be determined
    • Lenders' perspective: No credit history to assess risk

Missing your favorite credit score?


Ranking factors for perfect credit score

  1. Payment history
    A consistent record of on-time payments is crucial for a perfect credit score. This includes credit cards, loans, and other forms of credit.
  2. Credit utilization
    This refers to the proportion of available credit you're using. Ideally, you should keep your credit utilization below 30% of your total credit limit. This means if you have a total credit limit of $10,000, you should not have more than $3,000 in outstanding debt.
  3. Length of credit history
    A longer credit history shows that you have experience managing credit and are less of a risk to lenders. This takes into account the age of your oldest account, the age of your newest account, and the average age of your credit accounts.
  4. Types of credit
    A mix of different types of credit (credit cards, loans, mortgages, etc.) demonstrates that you can handle various forms of credit responsibly.
  5. Recent credit inquiries
    When you apply for new credit, a hard inquiry is made on your credit report. A large number of recent inquiries can hurt your credit score, as it may indicate that you are desperate for credit or are having trouble managing your finances.
  6. Public records
    Bankruptcies, tax liens, and civil judgments can significantly damage your credit. These negative public records will remain on your credit report for several years, making it difficult to achieve a perfect score.
  7. Credit report accuracy
    Ensure that your credit report is accurate and free from errors, as these can negatively impact your score. Regularly check all three credit bureaus (Equifax, Experian, and TransUnion) to verify the accuracy of your credit history. If you find any errors, dispute them with the respective credit bureau.

About this ranking

This is a community-based ranking of the most perfect credit score. We do our best to provide fair voting, but it is not intended to be exhaustive. So if you notice something or score is missing, feel free to help improve the ranking!


  • 195 votes
  • 10 ranked items

Movers & Shakers

Voting Rules

A participant may cast an up or down vote for each score once every 24 hours. The rank of each score is then calculated from the weighted sum of all up and down votes.

More information on most perfect credit score

Background: Your credit score is a numerical representation of your creditworthiness. It is used by lenders, banks, and credit card companies to determine whether you are a risky borrower or a safe investment. The score ranges from 300 to 850, with a higher score indicating a better credit history. A perfect credit score is 850, and it is considered the holy grail of credit scores. However, it is not easy to achieve and maintain this score. It requires a long credit history, a low credit utilization rate, on-time payments, and a mix of different types of credit accounts. While a perfect credit score is not necessary to get approved for a loan or a credit card, it can help you get the lowest interest rates and the best terms. Understanding the factors that affect your credit score is key to improving and maintaining it over time.

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