Personal Finance

Highest ever credit score

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  • Aug 22nd, 2017 8:36 pm
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[OP]
Jr. Member
Apr 28, 2016
101 posts
40 upvotes

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.
26 replies
Deal Fanatic
Jan 21, 2014
7053 posts
4497 upvotes
RBC score was inflated. I had 864 before when my EQ was in mid 700s
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.
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.
Deal Addict
Jul 27, 2017
2180 posts
949 upvotes
boing388 wrote: 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.
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"
Deal Guru
Jun 26, 2011
14947 posts
5194 upvotes
GTA
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"
There are different types of credit scores that have slightly different maximums.
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.
Deal Addict
User avatar
Mar 9, 2012
4007 posts
2868 upvotes
Kitchener
donkeyyy wrote: 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 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?
Deal Addict
Jul 27, 2017
2180 posts
949 upvotes
RolandCouch wrote: There are different types of credit scores that have slightly different maximums.
I learn something new every day thanks to RFD

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."
Deal Fanatic
Aug 24, 2016
9530 posts
10827 upvotes
The Prairies
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"
That is the US Equifax you posted. Their scales top at 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.
Deal Guru
Feb 9, 2006
13020 posts
7809 upvotes
Brampton
Image

Lol the most used sources max around 850. Where is RBC pulling their numbers from.
Deal Fanatic
Aug 24, 2016
9530 posts
10827 upvotes
The Prairies
tebore wrote: Image

Lol the most used sources max around 850. Where is RBC pulling their numbers from.
False.
Most credit scores in Canada max at 900
Vantage Score had a version that went into the 900's, but I haven't heard of a Vantage Score being used in Canada for many years.
Sr. Member
Mar 23, 2016
821 posts
227 upvotes
People need to stop obssessing over this artificial #
*Faux transparency / censorship warning for RFD*
[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.
[OP]
Jr. Member
Apr 28, 2016
101 posts
40 upvotes
springdays wrote: People need to stop obssessing over this artificial #
Not necessarily artificial, unless you mean 720+.
Sr. Member
Mar 23, 2016
821 posts
227 upvotes
donkeyyy wrote: Not necessarily artificial, unless you mean 720+.
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*
[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.
Deal Guru
Jun 26, 2011
14947 posts
5194 upvotes
GTA
UrbanPoet wrote: Never!
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
You forgot the 8k ring

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