In the world of credit, establishing a credit score of 850 is like being granted a lifetime achievement award. Both FICO and Vanguard—widely used credit-scoring models—consider 850 to be the highest possible credit score. The score is perfect. Exceptional. Untarnished. But… is it possible?

The short answer, according to experts: Well, yes. But an 850 credit score takes time and strategy. And, if we’re being completely honest, it may not be all that it’s cracked up to be.

Here’s what you need to know about the exclusive 850 credit score club:


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