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Get an 850 Credit Score Fast: The Road to Financial Freedom

An 850 credit score is akin to a unicorn of the credit world – elusive and mythical, yet captivating and enticing. If you’re aiming for the best credit score possible, achieving an 850 credit score is the ultimate goal. But how do you get there? In this guide, we’ll explore the ins and outs of mastering the art of the perfect credit score, its incredible benefits, and how you can join the elite club. So, gear up and get ready to jump on the financial expressway to success!

How to Get a 850 Credit Score: The Journey Begins

Obtaining a credit score of 850 is no cakewalk. It requires discipline, perseverance, and strategic financial planning. So, roll up your sleeves and let’s dive into the five critical factors that can help you join the 850 club.

  1. Payment History: This is the single most important factor in determining your credit score. Pay all your bills on time, every time. Late payments or defaults will severely impact your score, so staying on top of your payments is a must.

  2. Credit Utilization: This refers to the percentage of your available credit that you’re currently using. Keep your credit utilization ratio low – ideally, under 30%.

  3. Credit History: A lengthier credit history helps show lenders your commitment to responsible credit management. Maintain long-standing credit accounts in good standing and avoid closing old accounts unnecessarily.

  4. Types of Credit: A diverse mix of credit types, such as credit cards, mortgages, student loans, and auto loans, can help boost your score. Be cautious not to take on additional credit solely for this purpose, as it could ultimately hurt your score if you’re unable to manage it responsibly.

  5. New Credit Inquiries: Limit the number of hard inquiries on your credit report by only applying for new credit when necessary. Too many credit inquiries in a short period can be a red flag for lenders and lower your score.

How To Get A 850 Credit Score

850 Credit Score Benefits: The Perks of Perfection

Is 850 a good credit score? In a nutshell, yes! With an 850 credit score, you’ll enjoy a boatload of benefits that will make your financial life smoother than ever. Some of these perks include:

  • Lower Interest Rates: With an 850 credit score, lenders see you as a low-risk borrower. As a result, they’ll offer you the lowest interest rates available, saving you a substantial amount of money over time.

  • Higher Credit Limits: Lenders are more willing to offer you higher credit limits when they see you have an impeccable credit track record. This not only gives you more spending power but also helps keep your utilization ratio low.

  • Better Approval Odds: Credit score 850 practically guarantees your approval for any credit application, be it a mortgage, auto loan, or a new credit card.

  • Lower Insurance Premiums: Your exceptional credit score can even fetch you lower insurance premiums, as many insurance providers view those with excellent credit as less risky clients.

  • Attractive Reward Programs: With an 850 credit score, you’ll be eligible for the most rewarding credit card programs, including generous cashback offers, travel perks, and exclusive member benefits.

In short, the benefits of having an 850 credit score are certainly worth the effort. But does anyone have an 850 credit score?

How To Get An 850 Credit Score

The Elite Club: Meeting the 850 Credit Score Champions

While a credit score of 850 is exceptionally rare, it’s not impossible. According to FICO, roughly 1.2% of the US population have achieved this coveted number. So, while it’s not a widespread accomplishment, it is attainable with determination, patience, and solid financial habits.

How to Maintain Your 850 Credit Score: Staying on Top of Your Game

Once you’ve scaled the mountain and achieved that perfect score, it’s crucial to maintain your financial standing. Here are some essential tips to help you preserve your credit score 850 status:

  • Continue making all payments on time.

  • Keep an eye on your credit utilization ratio.

  • Monitor your credit report for inaccuracies or fraudulent activities.

  • Be cautious when applying for new credit.

  • Maintain a diverse mix of credit accounts in good standing.

By focusing on the same factors that helped you achieve your 850 credit score, you can ensure it remains at that phenomenal level.


Before diving into the history of credit scores, it’s essential to point out that obtaining a perfect credit score has become a relatively recent phenomenon. Credit scoring systems have been around since the 1950s, but the FICO score (the predominant model in use today) was first implemented in 1989. Over the years, lenders and credit bureaus have refined their scoring systems to more accurately reflect borrower risk.


For context on just how rare an 850 credit score is, consider the following statistics:

  • Approximately 1.2% of the US population has a perfect FICO score.

  • The average FICO score in the United States has steadily increased over the past decade, now hovering around 710.

  • Only about 20% of the US population has a credit score above 800, considered “excellent.”


  • The world record for the highest credit score is held by an anonymous individual, who reportedly achieved a score of 848.

  • Lenders often view credit scores above 760 almost as favorably as an 850 credit score in terms of interest rates and credit approval.

How To Get A Credit Score Of 850


Q: Is a credit score of 850 necessary to receive the best loan rates and terms?

A: Not necessarily. Lenders typically consider a credit score above 760 as top-tier, qualifying you for the best rates and terms. However, an 850 credit score offers additional benefits and a sense of accomplishment.

Q: How long does it take to achieve an 850 credit score?

A: There’s no definitive timeline, as various factors contribute to your credit score, including payment history, credit utilization, and the length of your credit history. It requires patience and consistent financial responsibility to achieve and maintain an 850 credit score.

Q: Can I still get approved for loans and credit cards if I don’t have an 850 credit score?

A: Absolutely! Although an 850 credit score is the pinnacle of credit success, you can still qualify for different types of credit with lower scores. It’s essential to understand the various credit score ranges and how they impact loan approvals, as highlighted in the following articles: 600 credit score, 610 credit score and so on till 860 credit score.

In Conclusion: The Power of the 850 Credit Score

An 850 credit score is a remarkable accomplishment, offering numerous financial benefits and a sense of pride in your financial acumen. While it’s not essential for securing favorable loan terms, striving for the perfect score is a worthy goal. With a solid understanding of the factors that contribute to your credit score and a commitment to responsible financial habits, you too can become a member of the elite 850 club!

Mortgage Rater Editorial, led by seasoned professionals with over 20 years of experience in the finance industry, offers comprehensive information on various financial topics. With the best Mortgage Rates, home finance, investments, home loans, FHA loans, VA loans, 30 Year Fixed rates, no-interest loans, and more. Dedicated to educating and empowering clients across the United States, the editorial team leverages their expertise to guide readers towards informed financial and mortgage decisions.
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