825 Credit Score (2024)

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

  1. 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
Read More

Cagla Yildirim
Resident in Financial Planning at Texas A&M University
Read More

Steven J. Welch
Associate Professor and Chair in the Department of Accounting & Finance at St. John’s University
Read More

Dan Horne
Professor of Marketing at Providence College School of Business
Read More

Bill Pratt
Associate Professor of Business at Piedmont Virginia Community College
Read More

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

  1. What Is a Perfect Credit Score & How Do You Get One?
  2. Free Credit Analysis
  3. Free Credit Score Simulator
  4. 24/7 Free Credit Monitoring
  5. How To Improve Your Credit Utilization
  6. Best Credit Cards
  7. Best Debt Consolidation Loans
  8. Best Car Insurance
  9. What’s Included in Your Credit Report & When Does It Get Updated?
  10. Why Did My Credit Score Drop? Top 10 Causes

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825 Credit Score (2024)


825 Credit Score? ›

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 percentage of the population has a 825 credit score? ›

22% of U.S. Consumers Have Exceptional Credit
Percentage of Consumers by FICO® Score 8 Range
RangePercentage of Consumers
Good (670-739)21.6%
Very good (740-799)28.1%
Exceptional (800-850)21.9%
2 more rows
Apr 17, 2024

How to improve credit score from 825 to 850? ›

Pay all your bills on time

One of the easiest ways to boost your credit is to simply never miss a payment. The biggest share of your FICO credit score — 35% — is based on how often you make minimum debt payments on time, whether that's for a credit card, personal loan or auto financing.

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 rare is an 800 credit score? ›

According to a report by FICO, only 23% of the scorable population has a credit score of 800 or above.

Is it possible to get a 825 credit score? ›

An 825 FICO® Score is nearly perfect. You still may be able to improve it a bit, but while it may be possible to achieve a higher numeric score, lenders are unlikely to see much difference between your score and those that are closer to 850.

Can I get a loan with an 825 credit score? ›

Even the most restrictive mortgage products have credit score requirements in the mid-700s. A credit score of 825 will generally qualify you for a lender's best interest rates. As a real-world example, the average 30-year fixed mortgage interest rate was just over 7% as of late October 2022.

What is the average credit score in America? ›

What is the average credit score? 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.

How rare is an 840 credit score? ›

Your 840 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. 21% of all consumers have FICO® Scores in the Exceptional range.

What is the highest credit score to buy a house? ›

What is a good credit score for buying a house?
  • 800 or higher: Exceptional.
  • 740-799: Very good.
  • 670-739: Good.
  • 580-669: Fair.
  • 579 or lower: Poor.
Jan 10, 2024

How many people have an 830 credit score? ›

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.

What credit score is highly qualified? ›

FICO says scores of 580 to 669 are considered "fair" and 740 to 799 are considered "very good." Anything at 800 or above is considered "exceptional." NerdWallet's credit score bands, used for general guidance, are pictured above.

What is an exceptional credit score? ›

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.

Has anyone gotten 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 is the average American credit score? ›

What is the average credit score? 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.

What is the average credit score for a 40 year old? ›

Average credit score for people in their 40s

For those in the 40 to 49 age group, the average credit score is about 684. People in their 40s typically have a long credit history and a mix of credit types like car loans, mortgages and personal loans.

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