about 1.2%
What share of Americans hold a 'perfect' FICO score of 850?
A perfect score is rare and typically requires years of flawless credit history.
Source: Wikipedia, Credit score in the United States (2019) en.wikipedia.org
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Below what score do lenders typically classify a borrower as 'subprime'?

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about 1.2%
A perfect score is rare and typically requires years of flawless credit history.
Source: Wikipedia, Credit score in the United States (2019) en.wikipedia.org
Exceptional
Credit bureaus each use slightly different labels, but scores in the 800s are always considered top-tier.
Source: Wikipedia, Credit score in the United States (2025) en.wikipedia.org
716
Average scores climbed for years, helped in part by reduced borrowing and missed-payment relief during the pandemic.
Source: Wikipedia, Credit score in the United States (2021) en.wikipedia.org
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