A triple perfect credit score... How rare is it?

[Thomas_Thumb]

Triple perfect scores have been reported/achieved for both VantageScore 2.0 and Fico 8 within the MyFICO community.

Based on what I have read, my guestimate is 1.5% to 2% of profiles may score 990 on VS 2.0 and 0.4% to 0.6% may score 850 on Fico 8. I suspect it is unlikely to have a VS 2.0 of 990 and not have a Fico 8 of 800 or higher. VantageScore numbers are good indicators for consumers to evaluate their credit worthiness.

Notes: 1) A Transunion VS 2.0 report with a 990 score states: "Your credit ranks higher than 98% of the nation's population"

            2) An Experian VS 3.0 report with a 833 score states: "Your credit score ranks higher than 99% of U.S. consumers."

            3) An Experian Fico 8 score summary with an 850 score only stated: "Your score is well above the average score of U.S. consumers". However, a table on Experian's web site (accessed through a link) lists score range of 848 - 850 as top 1%.

[pinipig523]

No, I havent applied for random things to get their reaction to the credit score... good idea... hilarious!

[Revelate]

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@pinipig523 wrote:

Thanks!!  It's a lot of hard work but a triple perfect is rare regardless of the scoring system.  I don't really care to check my fico or vantage 3.0... It doesn't matter since I'm sure it's good.

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Given that I know no lender underwriting on a VS 2.0 model anymore, I seriously question your theory of irrelevance.

You can get the VS 3.0 scores for free anyway /shrug.

Gold plated scores on even FICO don't impress me personally as I fully agree with S10, Vantage Score 2.0 less than 0.  If I ever get a perfect credit score, I know I will have missed an opportunity to improve my financial life... very rarely can I point at something and state I've done something wrong and my life would absolutely be better if I had done something else; however, with credit scoring, I don't see that's the case.  YMMV, not going to debate this one in long format unlike so many of my other theories heh.

[Thomas_Thumb]

Pinipig,

Congratulations on your accomplishment.

I believe your original question was asking for information on how rare it was to get perfect scores NOT comparative values of models or economic value of a perfect score. Like others, I may inject personal opinions into a response. It can be difficult to avoid.

[RandomSpirit]

Very good, congrats in taking care of your credit/scores.  

[theNavigator]

I was unaware the scores have changed like this and what scores meant what hmm lol :/

[Thomas_Thumb]

Bless your heart.

[Anonymous]

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@pinipig523 wrote:

A triple perfect of Vantage?  Rare?  Difficult?  Reflective of fico?

990 on three?  

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My Vantage score on CK goes up to 850?  I think this is the older version?  But still perfection!  They say that many use Vantage.  Until a lender tells me they do, I don't beleive it.  They do say that once you get to 760.  Another 40 points will matter in the interest rate world.   And so on.  I hope in 19 months I can achieve near perfection!

[Thomas_Thumb]

Credit Karma currently reports VantageScore 3.0. This scale, like Fico 8 and Fico 04 is reported to be 300 to 850. The previous VantageScore models (1.0 and 2.0) went from 501 to 990. So... your VantageScore as reported by CK is based on the most recent VS model.

This is a FICO web site so there is naturally a strong allegiance to Fico models - and they are dominant in the lending industry. Nonetheless, the VantageScore model is robust and is respected by most industry professionals.

[StartingOver10]

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@Thomas_Thumb wrote:

Credit Karma currently reports VantageScore 3.0. This scale, like Fico 8 and Fico 04 is reported to be 300 to 850. The previous VantageScore models (1.0 and 2.0) went from 501 to 990. So... your VantageScore as reported by CK is based on the most recent VS model.

This is a FICO web site so there is naturally a strong allegiance to Fico models - and they are dominant in the lending industry. Nonetheless, the VantageScore model is robust and is respected by most industry professionals.

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Which industry are you referencing in your comment above - the lending industry or the credit scoring modeling industry?

Which lenders actually use Vantage and for which products?