How to Get into the Highest Credit Score Range Fast – and What’s the Highest Credit Score Possible Anyway? (Pro Tips)

Any conversations about the best credit score range or highest credit score possible usually stem from worry that yours isn’t high enough to get the credit you want. Or it means your dinner party isn’t going as well as you had hoped. Nevertheless, Credit score ranges have different endpoints depending on which reporting company or system you look at. One most people are interested in is the FICO score. Despite what many might have told you, this not a sports term. It is, however, the one that you want to watch.  The FICO credit score range goes from 300 to 850. What is a good credit score?  Most lenders start their “good” credit score range at around 600. How do you know if credit is bad? Well, if the lender starts laughing when you apply, that’s not usually a good sign.

Your credit score, which is figured out through a complex system that includes pretty much everything from your financial history to what you ate for breakfast and a claim on your first born.  Ok, well maybe not that Big Brother, and no they aren’t Rumpelstiltskin.  But these secret credit score formulas can help determine whether you get the house, a new car, a credit card, and so much more. It might also determine how bulky your wallet is, but if it’s too fat then maybe you need to cull the number of credit cards to look good in skinny jeans. These days your credit score can even influence what apartment you live in or what job you get.With so many vital things riding on it, it makes sense that you want to know how to get the highest credit score possible in the least amount of time.

Are you serious about making a change to your financial standing in the world? The first thing that you might want to do is put on an empowering song and do a montage of changing things around the house. This won’t help your financial standing, but it’ll get you in the right headspace. Or you could start with this in-depth video which reveals a simple three-step formula to rising through the ranks of bad, poor, fair, good, and excellent to perfect credit when it comes to your FICO number.  Some of these credit score PRO tips we haven’t seen shared before like this.

What Is the Highest Credit Score Possible?

The simple answer to this question is the highest credit score possible is an 850 FICO.We suspect there might be one higher, but it’s probably only reserved for Ryan Gosling. I don’t know why, but he looks like he has one. Both the FICO ranking system and the VantageScore used by the three credit reporting bureaus, Equifax, TransUnion, and Experian, consider a850FICO to be a perfect score. Getting there takes a concerted effort and no mistakes or mishaps over the course of a good portion of your adult life. However, that does not mean you cannot obtain this lofty goal, or get very close and make your financial future much brighter.Not too bright though, we don’t need a higher electricity bill. Maybe time to get solar.

The first step is to get your own credit score and a copy of all three major credit bureau reports. Some tutorials on the internet also say you obtain the knowledge of a monk that lives on the top of the unreachable mountain, but this may only be if you have large student debts. With only the reports can you begin to make a plan to get into the highest credit score ranges possible. You can do this by going to each of the major credit reporting agencies directly, or to one of the many aggregating sites like free credit band baby ( This is the source for your free reports authorized by the Federal Trade Commissionand is accepted as trustworthy.  You are entitled to a free copy of your credit report from each of the three major credit reporting bureaus every year, thanks to the Fair and Accurate Credit Transactions Act (FACTA) Congress passed in 2003, an amendment to the Fair Credit Reporting Act (FCRA) of 1970.You are also entitled to a free cup of water at most fast food restaurants which you can then put soda in, but that’s for a whole different video.

Credit Score Range Explained

Although FICO and VantageScore have slightly different number designations, the general credit score range looks something like this: (

  • 300 to 499 = very poor
  • 500 to 600 = poor
  • 601 to 660 = fair
  • 661 to 780 = good
  • 781 to 850 = excellent

The word “perfect” is also used frequently for any number from 800 to 850.“Perfect” also might describe your memories of your high school crush. Leave that in your memories, if you find them on social media you’ll only be disappointed.

Do you have to be perfect to get what you want out of life? No, unless you’re Ryan Gosling, but again only he is.For the rest of us, however, as long as your personal credit score is on the upper side of good or in the excellent range, aside from debt-to-income ratio and other factors lenders consider, you should have a lot lesstrouble getting credit, loans, or a mortgage from most lenders. In the video about how to improve your score, we focus on helping you get yours to at least 740. Anything over that is gravy.Lump less and will go on anything including ice cream gravy; don’t judge me.

While we say that the process to increase your credit score is simple, it does take effort that some people may not want to make. When you think about all the things riding on a good credit score and how much money you can save over your lifetime when you have one, you should change your mindset from “It’s too much work” to “I have to get serious about this.”

Why Does a Good Credit Score Matter?

In this latest Credit Talk video, you get many real-world examples of how the highest number possible might makes your life easier and more comfortable.It’s like the opposite of your height. I can only imagine the troubles a giant has getting an apartment, much less a credit score.  In a nutshell, an excellent or perfect credit score makes it much easier to get a mortgage, a car loan, business loans, lines of credit, credit cards, and so much more. Not only will your approval rating go up considerably, but the interest rate you have to pay will go down.Feel free to do a celebratory dance when this happens or at least a fist pump and a “heck yeah”.

What types of problems do people in different credit score ranges deal with? (

  • Very poor – Credit refusal, additional fees and deposits, and very high interest rates
  • Poor – Secured credit cards only and subprime lending rates
  • Fair or good – Higher interest rates with more restrictions and limits
  • Very good – More credit availability at lower rates
  • Excellent or perfect – Companies basically throw credit at you

People have financial life goals like buying a single-family home, opening a business, or taking the vacation of a lifetime. Without a good credit score, these things become either very difficult, more expensive, or permanently out of reach.

What Types of Things Change Your FICO Score?

The answer to this question could take an entire book to explain (Credit Secrets Larry King), if you want to get into the precise details that go into the scoring algorithm. In general, pay attention to the following when you want to build good credit or correct any problems that stop you from moving forward into a brighter future. (

  • How much credit you have now and in the past
  • How much of that credit do you use
  • How long you have been building credit for
  • What types of credit accounts you have
  • Whether you paid back everything on time and in full
  • Credit inquiries that indicate you are looking for more

In the end, common sense dictates most of what makes for the highest credit score possible. Despite what we learned as kids, it’s not passing “Go” and collecting $200. Where is “Go” located? Wall Street maybe.Lenders and credit companies want to know that you will not misuse the loans they give you, and that they will get all their money back with interest. After all, that is how they make a profit, pay all their employees, and put those really tasty pastries in the break room.

The debt to income ratio is an important part of the score configuration. The simplest things like paying your bills when they are due and getting rid of high debt balances are the easiest ways to push your magic number higher.You could also get higher if you took a trip to Colorado as well, it’s legal now.

Because your number is so important to almost every financial aspect of your life, you could drive yourself nuts carefully balancing all of the above factors in an attempt to boost your score little by little. Instead we want to show you how to get into the highest credit score range fast, and what surprising roadblocks may be hindering your credit recovery.You’d never expect a person dressed in a chicken costume that tells you “No” in different languages. That won’t happen, but if you think it might nothing else will surprise you.

This video goes into much more detail about every step that boosts your financial ranking. The information here is a general overview of what you will learn there. Want to increase your chance of getting the credit you need and paying the lowest interest rates possible? Watch the video to learn more.

Learn the Good Credit Score 3-Step Formula

What is it going to take to boost your FICO and VantageSystem numbers into the highest credit score range possible? You could try wishing on a star, an eyelash, or by blowing out birthday candles. Those won’t work and you may need to apologize to the person whose birthday cake it was. After all, no one wants to wait years for a chance at getting a better credit card, a car loan, or starting a small business that can greatly improve their financial future. You want changes now so you can reap the benefits.As opposed to “rapping” the benefits which requires a dope beat and sick rhyming skills. Sadly, this won’t help your credit unless you are a hip-hop artist.

Ready to take control of your financial life?

#1 – Dispute Credit Report Problems

Just one of the amazing facts shown in this video reveals that “79% of all credit reports contain some type of error.” That is an amazingly high number of mistakes affecting people from all walks of life in serious ways. Can you imagine having to pay $10,000+ more over the course of a mortgage just because there is erroneous information on your Equifax or TransUnion paperwork? That is the type of thing that millions of people face. Who needs that especially when Netflix took their favorite movie out of the library? Where are they going to watch “Young Einstein” now?

The first step to any credit repair process is getting a copy of all your reports and your FICO score. These are available to every person in the United States for free once per year from the major reporting agencies.Some may accept fresh apple pie as payment; sadly, most do not. You can do this every year even if you are not actively trying to get into a different credit score range. After all, errors and identity theft can happen at any time. The sooner you catch them, the sooner you can do something about their negative effects. Get some crystals, some incense, and fengsui the crap our that negative energy.

You may not have the highest credit score because of inaccurate, outdated, or unverifiable information. These things make you look bad lenders, and they may not have anything to do with you at all. Far too many people are paying more than they need to because they are not aware of erroneous information dragging them down.It’s like trying to do laps in a swimming pool while wearing jeans, heavy boots, and a large donkey sitting on your back. Let’s see Michael Phelps win a gold under that scenario.

What types of disputes can you open?

People look up TransUnion dispute, Equifax dispute all the time.  Under the umbrella of inaccurate, outdated, or unverifiable, other issues may also appear on your reports. These include records in which you were only an authorized user instead of an account holder, any incident that was dismissed in a bankruptcy, attempts to collect by unlicensed debt collectors, and cases of identity theft.  The good news is that errors in your report can be disputed.Just like in a great episode of “Law & Order” except not as dramatic and a title card reading “Produce by Dick Wolf” won’t come up.

If a bill collection is outside the statute of limitations, you can also use that as a point of negotiation. These remedies differ from state to state. In general, any debt that is 7 years and 180 days old should fall off your credit report naturally. Different rules apply to different types of debts and bankruptcies.If only this worked for life choices, there would be a lot of people trying to expunge mullets or perms from their past.

How do you dispute credit report problems?

For every record that seems questionable, head to the Equifax dispute, Experian dispute, or TransUnion dispute pages on their individual websites and fill out the appropriate form. In this digital age, every credit bureau prefers that you leave the long letters, stamps and snail mail in the past.  Though electronic may not necessarily always be the best dispute tactic. Anyone that’s posted their opinion on pop culture or politics on social media can tell you that. People are mean.

#2 – Open Tradelines

And use them wisely!It’s like “the force” but real and not taught by a little green puppet.

First of all, what is a tradeline? This is something you will probably not hear about in other credit repair articles or videos. It is truly a Pro tip that anyone can do to make changes to their credit score really fast.It is also a great name for a community marketplace where you can trade things for other goods and services, but sadly no one came to the first one I organized.

A tradeline is a way to piggyback on someone else’s excellent credit by purchasing the opportunity to become an authorized user on their account. Did you know that someone could have a credit card or loan and make someone else an authorized user even if they are not a family member or friend? This individual does not have to have access to the money or credit line at all. However, they reap the benefits of getting these positive payments and credit levels on their credit reports.You could pay them in high fives, however interest on high fives could include “down lows” and “too slows”.

Of course, you can also ask friends or family with good credit to make you an authorized user on their card or loan. This only works if you have a very tight relationship that will not suffer from sharing financial information. Depending on your situation, it may sometimes help to look outside of your social circle for this type of help.Choose wisely. That one cousin who you remember going to the hospital a lot for either swallowing quarters or getting dimes stuck in their nose is not the person to do this with.

In order to use this method appropriately, the tradelines you seek out have to be from someone with the highest credit score possible. They obviously have to use credit responsibly and make payments on time if you want these good points to positively affecting your credit score. After you establish this type of financial relationship, you may start getting thumbs up from lenders based on your improved Experian, Equifax, and TransUnion reports, sometimes within 45 days.Remember the person that helped you on their birthday too, ok? A nice gift basket goes a long way.

#3 – Get High Limit Credit Cards

But don’t use them (too much)!

If you have already disputed all the inaccurate, outdated, and unverifiable information on your credit reports, have had the mistakes removed, and have a few great tradelines replacing those negatives with positive action, your score is probably on its way up. This gives you the opportunity to really make a difference with high limit credit cards and lines of credit (LOC).

While it’s definitely difficult to get credit with bad credit or a poor FICO credit score, there are options out there. You could hold a sign on the corner that says, “Will dance for a higher FICO score,” but it’s a long shot.

What credit cards should you apply for? This decision is as individual as your financial status. You may have to start with secured credit cards, which means you put your money in a controlled savings account to minimize risk for the company, or you may jump right into some of the best unsecured options out there.

No matter what, do your research thoroughly to avoid high fees and guarantee quick and accurate reporting to the agencies. After all, any line of credit or credit card that does not report will do absolutely nothing for your score. Do not worry, however. Virtually all of them from the easiest store or gas station card to the top can contribute to lowering your credit utilization ratio and re-building your credit history. Plus, the store and gas station have candy…it’s a win-win.

When presented like this, the three steps do not seem very difficult or time-consuming. In truth, they really don’t take a lot of time or energy away from other parts of your life. However, it is important to follow each step the right way to get the results you want as quickly as possible.

The lifelong quest for the highest rankings in the vast credit score range can take forever and cause a lot of stress. You do not have to be shut out the lifestyle you want, the mortgage, new cars, small business funding, or great vacations just because your FICO or VantageScore numbers are in the poor or fair ranges.  We hope this video is a start.

Please submit your questions for next time, even if they are about Ryan Gosling.

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