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What’s the Best Credit Score?

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What is the Best Credit Score

Whether you are already have a good credit score, or hope to get there in the future, you have probably wondered at some point, “What is the best credit score?” or, “What is the highest credit score possible?”

Some people ask that question because they want to get their credit score and they are looking for the score that is going to be the most “accurate.” Others ask because they want to know if they have a good credit score. And some people are interested in both: they want to build or maintain a good credit score – and they want it to get it from the best source.

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Whichever way you are thinking about that question, here is what you need to know about the best credit score:

First, you have to understand there are dozens of credit scoring models that lenders use.

To say that they are all the same, or that one that is the “best” would be something like saying all tennis shoes are the same or that one particular shoe is the best. Even among tennis shoes, there there are many different styles customized for a particular use, like running versus walking. And while you may find Nike to be the best fitting for your feet, someone else might argue another brand fits them better.

Similarly, credit scores are often customized for a particular industry (auto lending, for example, or insurance) and even for an individual lender. Different scores may run on a different credit score range or “scale.”

The other thing you need to understand is that your credit score is only as good as the information used to create it.

This time let’s use a hamburger as an example. You can make one using the best quality beef or you can make one with low quality beef and throw in a lot of other fillers. Both can be called “burgers,” but one is going to taste a lot better than the other.

Similarly, your credit score is only as “good” as the ingredients that go into it. And the ingredients are the information in your credit report provided by Equifax, Experian or TransUnion. If there are mistakes or outdated information in your credit report, then the score that is produced won’t be accurate. And if you aren’t doing the things that build great credit (paying on time, for example) then the number that is produced will reflect that.

Get Your Reports & Score

That’s why, if you want to get your credit score and see where you stand, you should do two things:

Review Your Credit Reports

Each year, you are entitled to free annual credit reports from each of the major credit reporting agencies: Equifax, Experian and TransUnion. While some experts recommend staggering your requests for these reports, the first time you review them you may want to check all three. These agencies don’t share information with each other, and if there is a mistake on any of your reports you will want to find out as quickly as possible.

Review Your Credit Scores

You can get two free credit scores each month using’s free Credit Report Card. You will also get an easy-to-understand breakdown of the factors impacting your credit scores. Checking your own score this way doesn’t cost anything and it doesn’t affect your score.

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  • Vivian Condon

    So sorry for you Colorado Ventura. I know he was a book of knowledge and always will continue to be. Bless all the family and friends.

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