Highest ever credit score
Just curious, what's the highest ever credit score have you seen or achieved. Just pulled my gf's credit score from RBC and it's 897. Didn't even think that would be possible.
Highest ever credit score
- Last Updated:
- Aug 22nd, 2017 8:36 pm
Tags:
- SCORE
- donkeyyy [OP]
- Jr. Member
- Apr 28, 2016
- 101 posts
- 40 upvotes
26 replies
- Kiraly
- Deal Expert
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- Jan 9, 2011
- 15885 posts
- 21655 upvotes
- Vancouver
845, last month. That was the first time I have ever checked it.
Was approved for Scotia Gold Amex, now it's at 836.
Was approved for Scotia Gold Amex, now it's at 836.
- mkl38s
- Deal Fanatic
- Jan 21, 2014
- 7053 posts
- 4497 upvotes
RBC score was inflated. I had 864 before when my EQ was in mid 700s
- travelandshoppingwoman77
- Member
- Jun 28, 2011
- 449 posts
- 136 upvotes
- VANCOUVER
833 with Mogo (just signed up this month) and 832 with Borrowell (no surprise as they both use Equifax).
I expect it to be a bit lower with the next update given that I had a check done with a new bank.
I expect it to be a bit lower with the next update given that I had a check done with a new bank.
- boing388
- Jr. Member
- Oct 14, 2012
- 126 posts
- 146 upvotes
- Toronto
When I applied for a mortgage at RBC, my rep said my credit score was 950 lol, no idea how they come up with those numbers. It was no where near that when I checked creditkarma.
- Guest37273939
- Deal Addict
- Jul 27, 2017
- 2180 posts
- 949 upvotes
from the equifax website they state the range is between 300 - 850, so how is it possible to have a 900+ credit score?
https://www.equifax.com/personal/educat ... edit-score
source equifax - "A credit score is a three digit number, typically between 300 and 850"
- RolandCouch
- Deal Guru
- Jun 26, 2011
- 14947 posts
- 5194 upvotes
- GTA
There are different types of credit scores that have slightly different maximums.porticoman wrote: ↑ from the equifax website they state the range is between 300 - 850, so how is it possible to have a 900+ credit score?
https://www.equifax.com/personal/educat ... edit-score
source equifax - "A credit score is a three digit number, typically between 300 and 850"
- jfmartel
- Deal Addict
- Mar 11, 2007
- 4222 posts
- 1357 upvotes
- QC
I don't think I've ever been above 800 or even 750. Still got a very good mortgage rate and plenty of CC.
- jeff1970
- Deal Addict
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- Mar 9, 2012
- 4007 posts
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- Kitchener
Highest that I can recall was 827. It's lower now (722) after a bankruptcy due to a failed marriage a few years ago. Unsure how much the bankruptcy affect the credit score, but I do have plenty of credit.
TransUnion and MOGO and Equifax gave exact same score.
Why can't we all just get along?
- Guest37273939
- Deal Addict
- Jul 27, 2017
- 2180 posts
- 949 upvotes
I learn something new every day thanks to RFDRolandCouch wrote: ↑ There are different types of credit scores that have slightly different maximums.
Today is about 'credit score' as it relates to the 'vantage score' & how Vantage 2.0 compares to Vantage 3.0
https://your.vantagescore.com/interpret_scores
so basically taking a credit check today, anyone in the 800's is similar to someone in the 900's on the 2.0 scale
https://wallethub.com/edu/vantage-credit-score/29952/
Utilizes A New Scale Range
"When comparing VantageScore 3.0 to 2.0, the most visible difference is probably its new scale range. While previous versions of the VantageScore used 501 to 990, the new scale ranges from 300 to 850, which is more aligned with common expectations. Jim Akin, senior manager of digital communications at VantageScore, explains that when they consulted consumers, people said they were more familiar and comfortable with the 300-850 scale range. In addition, many lenders use automated systems that accept scores that line up with this range."
- coolintheshade
- Deal Fanatic
- Aug 24, 2016
- 9530 posts
- 10827 upvotes
- The Prairies
That is the US Equifax you posted. Their scales top at 850.porticoman wrote: ↑ from the equifax website they state the range is between 300 - 850, so how is it possible to have a 900+ credit score?
https://www.equifax.com/personal/educat ... edit-score
source equifax - "A credit score is a three digit number, typically between 300 and 850"
Most credit scores in the Canadian lending industry use a 300-900 scale.
Vantage score once upon a time had a strange scale (300-862?), but I don't think that score is in use in Canada for several years now.
- tebore
- Deal Guru
- Feb 9, 2006
- 13020 posts
- 7809 upvotes
- Brampton
Lol the most used sources max around 850. Where is RBC pulling their numbers from.
- coolintheshade
- Deal Fanatic
- Aug 24, 2016
- 9530 posts
- 10827 upvotes
- The Prairies
- springdays
- Sr. Member
- Mar 23, 2016
- 821 posts
- 227 upvotes
People need to stop obssessing over this artificial #
*Faux transparency / censorship warning for RFD*
- donkeyyy [OP]
- Jr. Member
- Apr 28, 2016
- 101 posts
- 40 upvotes
Thanks for the replies guys, I guess she indeed has the highest credit score I have ever seen. Just 3 shy of a perfect score. Now to add to the absurdity of rating method, she is actually using her LOC to pay off her CC bills on time, and making minimum payments on her LOC. I would have never ever guessed that this could help improve your credit score.
- donkeyyy [OP]
- Jr. Member
- Apr 28, 2016
- 101 posts
- 40 upvotes
Not necessarily artificial, unless you mean 720+.springdays wrote: ↑ People need to stop obssessing over this artificial #
- springdays
- Sr. Member
- Mar 23, 2016
- 821 posts
- 227 upvotes
Yes, artificial.
Essentially, keep you credit in good standing by paying back what you owe, don't go all out crazy on credit - i.e. stay sane and differentiate between needs and wants, measured wants and reckless wants, and stay on track overall. That's all. The rest of it, the ups and downs of the score, the crazy need to reach a "high" score etc. is overrated imo.
*Faux transparency / censorship warning for RFD*
- donkeyyy [OP]
- Jr. Member
- Apr 28, 2016
- 101 posts
- 40 upvotes
Well exactly my point, crazy high scores aren't necessary but maintaining a good credit score is essential.
- UrbanPoet
- Deal Expert
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- Jan 27, 2004
- 50568 posts
- 14941 upvotes
- ONTARIO
Never!springdays wrote: ↑ People need to stop obssessing over this artificial #
In order to live the rfd dream you need
$100k+ salary
Detached in markham ontario
Toyota corolla in the drive way. LE if youre loaded
900 credit score
- RolandCouch
- Deal Guru
- Jun 26, 2011
- 14947 posts
- 5194 upvotes
- GTA
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