New Contributor
Posts: 64
Registered: ‎05-18-2012

What's the highest score you stop getting lower rates?

Obviously there are bragging rights to having an 800+ score (or any really high score), but from what I've seen as a newbie to credit scoring, there's a point where you're really not getting a tangible benefit to a higher credit score. Meaning, you're not getting a better interest rate for having a higher score.


Where is this point? 750-760 range? The FICO Scorewatch page seems to indicate that a 720+ will get you the best auto rates, and a 760+ the best mortgage rates. After these scores for the respective loans, is there a benefit to going higher?

Posts: 9,674
Registered: ‎01-28-2010

Re: What's the highest score you stop getting lower rates?

[ Edited ]


Realistically the only real benefit is probably bragging rights.    There may be a few credit products where you can obtain better rates or benefits with a score higher than 760 but most high achievers probably won't see any difference.


 ETA:   I am not a FICO high achiever so I am only speculating about this.   :smileytongue:

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Established Contributor
Posts: 758
Registered: ‎02-11-2012

Re: What's the highest score you stop getting lower rates?

I believe you are very accurate. My Realtor and Loan Officer say 760 and up for the best mortage rates.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)

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