845 Credit Score

An 845 credit score is a perfect credit score, believe it or not. Despite being just shy of the highest credit score possible (850), a credit score of 845 qualifies as perfect because improving your score further is unlikely to save you money on loans, lines of credit, car insurance, etc. Membership in the 800+ credit score club is quite exclusive, with fewer than 1 in 6 people boasting a score that high, according to WalletHub data. And since so few people have such high scores, lenders don’t split the 800+ credit score crowd into smaller groups that get separate offers.

People with credit scores of 845 and 850, respectively, are pretty much equally unlikely to default on financial obligations, too. Any credit score of 800 or higher indicates that you’ve been using loans, credit cards and other lines of credit responsibly for several years, paying your monthly bills on time and keeping your credit report clear of negative information. For example, just 0.1% of people with credit scores over 800 have tax liens and civil judgments on their credit reports, according to VantageScore.

People with an 800+ credit score also have credit card limits totaling roughly $46,700 on average, of which they generally use less than 5%, according to VantageScore. And it takes a lot of income, not to mention restraint, to pull that off. So it should come as no surprise that a credit score of 800+ qualifies you for pretty much any credit card or loan you want. It doesn’t guarantee approval because your income and existing debt obligations matter, too. But it certainly won’t hold you back.

Below, you can learn more about what an 845 credit score gets you, how you can get one if you’re not already in the 800+ credit score club, and whether 850 is a worthwhile goal.

800+ Credit Score Benefits

A credit score of 845 is your ticket to the lowest borrowing costs and all sorts of other opportunities, from where you live and work to what car you drive. The list below only represents a sample of the perks that come with perfect credit.

An 800+ credit score gets you:

Type of Credit	Do You Qualify?
Any Credit Card	YES
No Annual Fee Credit Card	YES
Big Initial Credit Card Bonus	YES
Credit Card with 0% Financing	YES
No-Foreign-Fee Credit Card	YES
Favorite Store’s Credit Card	YES
Airline/Hotel Credit Card	YES
Best Mortgage Rate	YES
Auto Loan with 0% Intro Rate	YES
Lowest Auto Insurance Premium	YES
Best Personal Loan Rate	YES
Apartment Rental	YES

How to Get an 845 Credit Score

If you’re not yet a member of the 800+ credit score club, you can learn how to join by checking your free personalized credit analysis on WalletHub. We’ll tell you exactly what you need to change and exactly how to do it. Paying your bills on time every month and keeping your credit utilization below 15% are the keys to success in most cases. But you can’t beat a customized credit improvement plan.

Get Your Personalized Credit Analysis – 100% Free

But good advice can be priceless when it comes to your credit, so we asked a selection of WalletHub users with 800+ credit scores to share the secrets of their success. You can check out their tips below.

Do You Need an 850 Credit Score?

Nothing magical will happen if your credit score of 845 ticks up to 850. And most importantly, you probably won’t save more money. You don’t need to take our word for it, though. We consulted a panel of financial experts, all of whom said the same thing.

Who Has 800+ Credit Scores?

Below, you can see what percentage of people have a credit score of 800+ as well as how the size of that segment compares to other tiers in the credit score range.

14.5% of people have a credit score of 800 or higher:

All columns may not add up to 100% due to rounding.