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Posts: 64
Registered: ‎05-18-2012
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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?

Super Contributor
Posts: 9,668
Registered: ‎01-28-2010
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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.   Smiley Tongue

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Established Contributor
Posts: 857
Registered: ‎02-11-2012
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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)XP 735 (FAKO)
Updated scores 05/01/17 EQ 824, TU 812 EXP 810 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience

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