Quoted By:
I had a perfect 850 FICO 8 at all 3 bureaus in 2020. I only took a screenshot of the Experian. It takes low credit card utilization, a current or recent car loan, and a recent or current mortgage. All three have to have some age on them and no late payments. I'm at ~820 these days, after the car loan dropped off and will probably never use credit to buy another vehicle, so I'll never see 850 again... unless 0% financing makes a comeback.