An 825 credit score is a perfect credit score. Despite being just shy of the highest credit score possible (850), a credit score of 825 qualifies as perfect because improving your score further is unlikely to save you money on loans, lines of credit, car insurance, etc.
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. Since so few people have such high scores, lenders don’t split the 800+ credit score crowd into smaller groups that get separate offers.
Key Things to Know About an 825 Credit Score
- Credit Rating: 825 is an excellent credit score, which is even better than a good score. You can even classify an 825 credit score as being perfect.
- Borrowing Options: All borrowing options are available, and the terms are likely to be very attractive. For example, you should be able to qualify for the best credit cards and the best personal loans.
- Best Way to Improve an 825 Credit Score: Reducing the credit utilization on your credit card accounts could quickly boost your score. You can also check out your WalletHub credit analysis for personalized tips.
Below, you can learn more about what an 825 credit score gets you, how you can get one if you’re not already in the 800+ credit score club, and whether 850 is a worthwhile goal.
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What Does an 825 Credit Score Get You?
With an 825 credit score, you are well-positioned to qualify for any financial product, from the best credit cards and personal loans to the best auto loans and mortgages.
An 825 credit score doesn’t guarantee you approval, however, because your income and existing debt obligations matter, too. But your odds of success are extremely high.
To give you an idea of the possibilities, we’ve put together a list of popular credit card offers available to people with an 825 credit score.
Popular Credit Cards for an 825 Credit Score
The best credit cards typically require good or excellent credit for approval, which means someone with an 825 credit score has a very good chance of qualifying. The trick is finding the right card for your needs.
You should compare credit cards with rewards if you plan to use your card for everyday purchases that you can pay off by the end of the month. If you’re planning big-ticket purchases or a balance transfer that will take months to pay down, compare credit cards with 0% introductory APR offers.
How to Get an 825 Credit Score
If you’re not yet a member of the 800+ credit score club, you can learn how to join by checking your free personalized credit analysis on WalletHub. We’ll tell you exactly what you need to change and exactly how to do it.
Get Your Personalized Credit Analysis – 100% Free
Paying your bills on time every month and keeping your credit utilization below 10% are the keys to success in most cases. But you can’t beat a customized credit improvement plan.
Who Has an 800+ Credit Scores?
Below, you can see what percentage of people have a credit score of 800+ as well as how the size of that segment compares to other tiers in the credit score range.
14.5% of people have a credit score of 800 or higher:
2016 Credit Score Distribution
All columns may not add up to 100% due to rounding.
Do You Need an 850 Credit Score?
Nothing magical will happen if your credit score of 825 ticks up to 850. And most importantly, you probably won’t save more money. You don’t need to take our word for it, though. We consulted a panel of financial experts, all of whom said the same thing.
Ask the Experts: Top Tier Tips
- Is there any point in trying to reach an 850 credit score? Would reaching the highest possible credit score save someone with excellent credit any money?
Ask the Experts
April Knill
Gene Taylor/Bank of America Professor of Finance and Assistant Director of the BB&T Center at Florida State University - College of Business
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Steven J. Welch
Associate Professor and Chair in the Department of Accounting & Finance at St. John’s University
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Dan Horne
Professor of Marketing at Providence College School of Business
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Bill Pratt
Associate Professor of Business at Piedmont Virginia Community College
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Sterling Raskie
Lecturer of Finance in the Gies College of Business at the University of Illinois at Urbana-Champaign
Read More
More Experts
Top 10 Resources for an 825 Credit Score
- What Is a Perfect Credit Score & How Do You Get One?
- Free Credit Analysis
- Free Credit Score Simulator
- 24/7 Free Credit Monitoring
- How To Improve Your Credit Utilization
- Best Credit Cards
- Best Debt Consolidation Loans
- Best Car Insurance
- What’s Included in Your Credit Report & When Does It Get Updated?
- Why Did My Credit Score Drop? Top 10 Causes
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FAQs
Your 825 FICO® Score is nearly perfect and will be seen as a sign of near-flawless credit management. Your likelihood of defaulting on your bills will be considered extremely low, and you can expect lenders to offer you their best deals, including the lowest-available interest rates.
What does a 825 credit score get you? ›
An 825 credit score is often considered very good — or even excellent. A very good or excellent credit score can mean you're more likely to be approved for good offers and rates when it comes to mortgages, auto loans and credit cards with rewards and other perks.
Can I get a mortgage with 825 credit score? ›
What credit score do you need for a mortgage? To qualify for a mortgage, lenders typically look for a minimum credit score of 620 for conventional loans. However, some loan types, like FHA loans, may accept scores as low as 500 with a larger down payment.
Is a 900 credit score possible? ›
Highlights: While older models of credit scores used to go as high as 900, you can no longer achieve a 900 credit score. The highest score you can receive today is 850. Anything above 800 is considered an excellent credit score.
How to improve credit score from 825 to 850? ›
I achieved a perfect 850 credit score, says finance coach: How I got there in 5 steps
- Pay all your bills on time. One of the easiest ways to boost your credit is to simply never miss a payment. ...
- Avoid excessive credit inquiries. ...
- Minimize how much debt you carry. ...
- Have a long credit history. ...
- Have a good mix of credit.
22% of U.S. Consumers Have Exceptional Credit
But according to Experian data captured as 2023 came to a close, nearly 22% of consumers have a FICO® Score in the highest credit score range—800 to 850. Consumers with scores in this range are considered to have exceptional credit.
Does anyone have an 850 credit score? ›
How many Americans have 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.
What credit score is needed to buy a $400,000 house? ›
Your credit score has less bearing on your ability to get a mortgage than you might think. The minimum FICO score for a conventional loan is 620. The best rate comes with a score of 740 or higher.
What credit score is needed to buy a $300K house? ›
What credit score is needed to buy a $300K house? The required credit score to buy a $300K house typically ranges from 580 to 720 or higher, depending on the type of loan. For an FHA loan, the minimum credit score is usually around 580.
What credit score do you need for a $250000 mortgage? ›
Conventional loan | Credit score: 620
To qualify for a conventional loan, you'll need a credit score of at least 620, though some lenders may choose to approve conventional mortgage applications only for borrowers with credit scores of 680 and up.
How Credit Scores Breakdown by Generation
| Average FICO 8 Score by Generation |
|---|
| Generation | 2022 | 2023 |
|---|
| Generation Z (ages 18-26) | 679 - Good | 680 - Good |
| Millennials (27-42) | 687 - Good | 690 - Good |
| Generation X (43-58) | 707 - Good | 709 - Good |
2 more rowsYour credit score is a major factor in whether you'll be approved for a car loan. Some lenders use specialized credit scores, such as a FICO Auto Score. In general, you'll need at least prime credit, meaning a credit score of 661 or up, to get a loan at a good interest rate.
Who has the best credit score ever? ›
For most credit-scoring models, including VantageScore 3.0 and FICO, the highest credit score possible is 850. We were able to speak to two Americans who belong to the exclusive FICO 850 Club: Brad Stevens of Austin, Texas, and John Ulzheimer of Atlanta.
Is 825 credit good? ›
Your 825 FICO® Score is nearly perfect and will be seen as a sign of near-flawless credit management. Your likelihood of defaulting on your bills will be considered extremely low, and you can expect lenders to offer you their best deals, including the lowest-available interest rates.
How to increase credit score from 830 to 900? ›
Maintain a consistent payment history
Consistently paying back debt can be the best way to raise your credit, but it takes time. Speaking of time, make sure you pay your bills on time. Create a pattern of consistency that you can show to lenders, and you will start to see your credit rise over time.
How can I raise my credit score 100 points overnight? ›
5 Ways to Boost Your Credit Score Overnight
- Review Your Credit Reports and Dispute Errors.
- Pay Bills On Time.
- Report Positive Payment History Like Utilities to Credit Bureaus.
- Keep Old Accounts Open.
- Keep Your Credit Balances Under 30%
Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.
Is 800 credit score rare? ›
According to a report by FICO, only 23% of the scorable population has a credit score of 800 or above.
What are the benefits of having a credit score over 800? ›
An 800 credit score shows lenders you are an exceptional borrower. You may qualify for better mortgage and auto loan terms with a high credit score. You may also qualify for credit cards with better rewards and perks, such as access to airport lounges and free hotel breakfasts.
What is the average credit score in the United States? ›
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.
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