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Is 839 a Good FICO Score?

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While achieving a perfect 850 credit score is rare, its not impossible. About 1.3% of consumers have one, according to Experians latest data.

FICO scores can range anywhere from 300 to 850. The average score was 714, as of 2021.

The few people who do manage to achieve perfect credit scores tend to share three key traits, according to Experians latest analysis.

A FICO score of 839 is not just a good credit score – it’s an exceptional one. In fact, a score of 839 is about as close to perfect as you can get when it comes to your FICO score. But what exactly does it mean to have a FICO score this high? And what benefits come with being in the 800+ credit score range? Let’s take a closer look.

What is Considered a Good FICO Score?

First, it’s helpful to understand what FICO scores are and what makes a score “good.” FICO scores range from 300 to 850. The higher the score, the better. A good FICO credit score generally falls in the range of 670 to 739. A FICO score of 800 or above is considered exceptional.

Here’s a breakdown of the FICO score ranges:

  • 800-850: Exceptional
  • 740-799: Very Good
  • 670-739: Good
  • 580-669: Fair
  • 300-579: Very Poor

So with a FICO score of 839, you’re not just in the “very good” range you’ve reached exceptional status.

The Benefits of an 839 FICO Score

A FICO score of 839 unlocks the best possible loan terms and interest rates available. Lenders see you as an extremely low credit risk when your score is this high. You can expect:

  • Easy approval for new credit cards and loans
  • Lower interest rates on mortgages, auto loans, and personal loans
  • Higher credit limits on credit cards
  • Low or no security deposits required for things like utilities and cell phone service

Additionally, a FICO score above 800 makes you eligible for some exclusive credit card offers and rewards programs. For example, some luxury travel rewards credit cards require a minimum score of 800-850 for approval.

With an 839 FICO score, you should have no trouble qualifying for the best loans and credit cards.

How Rare is a Credit Score of 839?

Only a very small percentage of people have FICO scores above 800 According to FICO, just 21% of consumers fall into the 800-850 (“exceptional”) credit score range And only 1% have scores between 837 and 850.

So your 839 FICO puts you in the top 1% of consumers when it comes to credit scores. It’s a significant accomplishment to reach such lofty credit heights. Well done maintaining such an exceptional score!

Tips for Maintaining an 839 FICO Score

Since your credit score is already so high, you may be wondering if there’s anything you can do to maintain or improve it. Here are a few tips:

  • Keep balances low: One of the biggest factors affecting your scores is credit utilization (the percentage of available credit you’re using). Try to keep balances below 10% of your credit limit on each card.
  • Pay on time: Payment history is very important. Continue paying all bills by the due date. Set up autopay if you can.
  • Limit inquiries: Only apply for credit when needed to avoid unnecessary hard inquiries. Too many inquiries can ding your score a few points.
  • Monitor your credit: Keep tabs on your reports and FICO score to catch any errors or suspicious activity quickly.

Realistically, with a FICO already at 839, there’s little room for improvement. Any fluctuations up or down will likely be minor. The key is maintaining your exceptional credit behaviors.

Is 850 a Perfect Credit Score?

You may be wondering if you should try to raise your credit score to the max of 850. The truth is, once your FICO reaches the 800+ “exceptional” category, there’s marginal benefit to reaching 850.

Lenders don’t differentiate between someone with an 839 credit score and someone with an 850. You already qualify for the very best rates and terms at 839. The only reason to try for a perfect 850 score is for the feeling of accomplishment or personal pride. From a practical standpoint, an 839 FICO score gives you access to the top tier of lending products.

The Bottom Line

A FICO credit score of 839 is about as close to perfect as you can get. This exceptional score unlocks the most favorable loan terms and makes you eligible for premium credit card offers. Fewer than 1% of consumers reach this credit score level. Maintaining your current credit habits is key to preserving your 839 FICO status. While reaching 850 would be an impressive feat, it’s unnecessary from a lending perspective. At 839, you already have access to the best rates and offers.

is 839 a good fico score

They have more credit cards but lower balances

Opening a bunch of new credit cards wont increase your odds of achieving a perfect credit score, but people with 850 credit scores tend to have nearly six cards on average, according to Experian. Thats above the national average of about four credit cards per person.

The key to perfect scorers success: Although they have more credit cards than average, they tend to have lower balances, according to the analysis.

People with 850 credit scores tend to carry about $2,588 in credit card debt, compared to the national average of $5,221.

And people with high credit scores arent maxing out their cards. Personal finance experts typically recommend that you only use about 30% of your available credit. People with scores above 800 tend to use only about 7%, according to creditcards.com.

They have less debt in general

People with an 850 credit score tend to have less debt in other categories, Experians report reveals.

For example, they typically have an auto loan balance of about $17,000 compared to the national average of nearly $21,000. Perfect scorers also carry below-average balances on auto loans and mortgages.

That doesnt hold true for every type of loan: People with an 850 credit score carry an average balance on personal loans thats nearly double than the national average.

However, the average interest rate for a personal loan is around 8.73%, compared to the average credit card interest rate, which is around 16.65%, according to the Federal Reserves latest data.

Overall, people with an 850 score demonstrate their creditworthiness to lenders by persistently paying down different types of debt.

What is a GOOD Credit Score in 2025? What’s the Average Credit Score Overall & By Age / Generation?

FAQ

How good is a FICO score of 839?

Your 839 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 FICO score over 800?

Twenty-four percent of Americans have a credit score between 800 and 850, considered “exceptional” by FICO. A credit score at the top of that range — 850 — is perfect. Twenty-four percent have a FICO® Score between 750 and 799, making the “very good” bracket.

What FICO scores are considered excellent?

What are the full credit score ranges?
FICO Credit Score Ranges
Excellent/Exceptional 800-850
Very good 740-799
Good 670-739
Fair 580-669

Does anyone have a 900 credit score?

No, a credit score of 900 is not possible in the United States.

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