An 800 credit score is a perfect credit score, believe it or not.
Despite being just shy of the highest credit score possible (850), a credit score of 800 qualifies as perfect because improving your score further is unlikely to save you money on loans, lines of credit, car insurance, etc.
What can you get with a 800 credit score?
You’ll qualify for lower interest rates.
Having an 800 credit score will allow you to qualify for lower interest rates and save thousands of dollars over the life of your loan. You’ll see the biggest impact with larger loans that you repay over a longer period of time, like mortgage and auto loans.
Is 800 considered a good credit score?
Your 800 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.
Can I get a mortgage with a 800 credit score?
While having a credit score of 800 seems lofty, having scores in the 700’s can also help home buyers get lower mortgage rates. Many loan programs have a minimum required amount to get approved for a mortgage. For example, most lenders will require a credit score of 580 to get approved for an FHA loan.
Does anyone have a 850 credit score?
Across both of the most common credit scoring brands, FICO and VantageScore, that highest score is 850 out of the now-standard range of 300 to 850. But the truth is that while it’s nice to boast that you’ve maxed out your credit score, it’s almost impossible to achieve the magical 850.