No one has a credit score over 900 because standard credit scores range from a low of 300 to a high of 850. Less than 1.6% of people even have an 850 credit score, according to the credit-scoring company FICO, because it requires an impeccable payment history, low utilization and a diverse account mix, at the very least.
It is worth noting that some industry-specific and alternative credit scoring models may go up to 900+ points. However, they have a very limited use and usually are not publicly available. That’s why it’s important to just focus on the standard credit score range.
Percentage of U.S. Consumers by Credit Score Range
| Credit Score | Category | U.S. Population |
| 800-850 | Perfect | 21% |
| 740-799 | Excellent | 25% |
| 670-739 | Good | 21% |
| 580-669 | Fair | 17% |
| 300-579 | Poor | 16% |
Source: Experian
If you want to learn how to take your credit score to the next level, sign up for a free WalletHub account. You can get personalized credit-improvement tips, daily credit score updates and more.
This answer was first published on 05/31/23 and it was last updated on 10/10/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
