What Percentage of Population Has Over 800 Credit Score? (2024)

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What Percentage of Population Has Over 800 Credit Score? (2024)

FAQs

What Percentage of Population Has Over 800 Credit Score? ›

Less than 21% of people have a credit score over 800. A credit score of 800+ is considered perfect credit, indicates that a borrower uses credit very responsibly, and qualifies the person for the best loan and credit card terms.

What percentage of people have above 800 credit score? ›

According to a report by FICO, only 23% of the scorable population has a credit score of 800 or above.

How many people have a 900 credit score? ›

A credit score of 900 is not possible, but older scoring models that are no longer used once went up to 900 or higher. The highest possible credit score you can get now is 850.

What percentage of the population has a credit score over 810? ›

An 810 credit score is considered very good. In fact, just 21% of consumers in the U.S. have a credit score of 800 or higher, according to Experian. By comparison, the national average credit score is 715.

What percentage of population has over 820 credit score? ›

Your score falls in the range of scores, from 800 to 850, that is considered Exceptional. Your FICO® Score and is well above the average credit score. Consumers with scores in this range may expect easy approvals when applying for new credit. 21% of all consumers have FICO® Scores in the Exceptional range.

How many Americans have a credit score over 800? ›

Twenty-three percent of Americans have a credit score between 800 and 850, considered "exceptional" by FICO. A credit score at the top of that range -- 850 -- is considered a perfect score. Twenty-four percent have a FICO® Score between 750 and 799, making the "very good" bracket.

How many people have 825 credit score? ›

Your score falls in the range of scores, from 800 to 850, that is considered Exceptional. Your FICO® Score and is well above the average credit score. Consumers with scores in this range may expect easy approvals when applying for new credit. 21% of all consumers have FICO® Scores in the Exceptional range.

How rare is an 800 credit score? ›

How rare is an 800 credit score? An 800 credit score is not as rare as most people think, considering that roughly 23% of adults have a credit score in the 800-850 range, according to data from FICO. A score in this range allows consumers to access the best credit card offers and loans with the most favorable terms.

Has anyone gotten a 850 credit score? ›

Although a lot of people might like the idea of a perfect credit score, they'd likely have a hard time actually achieving it. In the U.S., only about 1.7 percent of the scorable population had a perfect 850 FICO credit score in April 2023, according to FICO data.

What is the average credit score by age? ›

Average FICO 8 score by age
Age groupAverage FICO 8 score
18-29680
30-39692
40-49706
50-59724
1 more row
Mar 7, 2024

How rare is a 820 credit score? ›

Membership in the 800+ credit score club is quite exclusive, with fewer than 1 in 6 people boasting a score that high, according to WalletHub data.

How rare is an 840 credit score? ›

Your 840 FICO® Score falls in the range of scores, from 800 to 850, that is categorized as Exceptional. Your FICO® Score is well above the average credit score, and you are likely to receive easy approvals when applying for new credit. 21% of all consumers have FICO® Scores in the Exceptional range.

What percentage of Americans have an 840 credit score? ›

Yes, in fact according to a 2021 report by FICO… 23.3% of the entire USA population have a credit score over 800. While only 1.31% of Americans have a perfect and somewhat elusive 850 credit score.

What is the average credit score in the United States of America? ›

What is the average credit score? The average FICO credit score in the US is 717, according to the latest FICO data. The average VantageScore is 701 as of January 2024. Credit scores, which are like a grade for your borrowing history, fall in the range of 300 to 850.

How many people have 830 credit score? ›

Less than 21% of people have a credit score in the 800-850 range.

How many people in us have 850 credit score? ›

Less than 2% of Americans have a perfect credit score.

“You're already hitting that pinnacle of what lenders care about. Anything above that is just pride.” In fact, according to the most recent survey from FICO, taken in April 2023, only about 1.7% of the scoreable U.S. population had a perfect 850.

How rare is credit score over 800? ›

Less than 21% of people have a credit score over 800. A credit score of 800+ is considered perfect credit, indicates that a borrower uses credit very responsibly, and qualifies the person for the best loan and credit card terms.

How rare is an 820 credit score? ›

Membership in the 800+ credit score club is quite exclusive, with fewer than 1 in 6 people boasting a score that high, according to WalletHub data.

How rare is an 850 credit score? ›

Only 1.31% of Americans with a FICO® Score have a perfect 850 credit score. While a score this high is rare among any demographic, older generations are more likely to have perfect credit. Baby boomers make up a whopping 59.4% of the people with an 850 credit score.

Is it hard to get a credit score over 800? ›

It might also be hard to achieve an 800 credit score until you have a mix of credit under your name. We're not saying you should take out a mortgage or a car loan just to get your credit score over 800, but if the only credit accounts on your file are credit cards, you might struggle to reach that 800 credit score.

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