Applicants with a credit score of at least 650 and up to 850 may be eligible for J.J. Best Banc & Co. Auto Financing. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Pay down your revolving credit balances If you have the funds to pay more than your minimum payment each month, you should do so. Chipping away at your revolving debt can have a major impact on your credit score because it helps to keep your credit utilization rate low.

Capital One Platinum Credit Card: Fair to good (580-740) The Capital One Platinum Credit Card is virtually identical to the Capital One Platinum Secured credit card. The main difference is the credit score recommendation for approval and the security deposit requirement.

How to Bring Your Credit Score Above 700

1. Pay on Time, Every Time.
2. Reduce Your Credit Card Balances.
3. Avoid Taking Out New Debt Frequently.
4. Be Mindful of the Types of Credit You Use.
5. Dispute Inaccurate Credit Report Information.
6. Don't Close Old Credit Cards.

If you always pay your loan EMIs and credit card bills on time, maintain a credit mix of secured and unsecured loans, and have a low debt-to-income and credit utilisation ratio, you can build a perfect credit score of 900.

MoneyGeek's Take: Top 10 Credit Cards for Fair Credit

The average 25-year-old is the upper limit for Gen Z and the average FICO® credit score for Gen Z (between ages 18-25 years) is 679, according to 2022 Experian® data. This falls in the lower limit of the “good” credit score range (670-739). This score is just a reference number.

The most commonly used credit scoring models have a range of 300-850. It is not possible to get a score of 900. Older models of the FICO® and VantageScore® went up to 900, and there are other specialized scores that have different ranges going up to 900.

Tips to Perfect Your Credit Score

1. Pay your credit card bills often.
2. Keep a solid payment history.
3. Consider your credit mix.
4. Increase your credit limit.
5. Don't close old accounts.
6. Regularly monitor your credit report.
7. Only apply for credit when you really need it.

What is the highest credit score you can get? A 900 credit score may be the highest on some scoring models, but this number isn't always possible. Only 1% of the population can achieve a credit score of 850, so there's a certain point where trying to get the highest possible credit score isn't realistic at all.

Perfect credit scores are incredibly rare, though they are possible. Although high credit scores make it easier for people to qualify for financing, you don't need perfect credit to get a good interest rate on loans or credit cards.

Twenty-four percent have a FICO® Score between 750 and 799, making the "very good" bracket. Data source: FICO (2022). Nearly half of Americans score between 750 and 850, in the very good to exceptional range, while less than 25% of Americans have a score between 300 and 649, the poor to fair credit score range.