If you've ever wondered who's rocking a perfect 850 FICO® Score, here's your answer: not many people. In fact, just 1.54% of Americans are in that elite club, according to Motley Fool Money research.

Only a tiny fraction of Americans have reached the absolute top of the credit-scoring ladder in 2025, but that sliver of consumers tells an outsized story about how the system rewards long-term, ...

I wasn't chasing the elusive 850 credit score, but this one easy change got me there anyway. Here's what I did. Tiffany Wendeln Connors was a senior editor for CNET Money with a focus on credit cards.

Only 1.76% of Americans have a perfect 850 FICO® Score in 2025, according to Motley Fool Money research and Experian data. And honestly, that tiny percentage says everything. Hitting perfection takes ...