Only 1.76% of Americans have a perfect FICO score. Why it doesn't have to be flawless to help you shine

Did you know that just under two percent of Americans can claim bragging rights to a flawless 850 FICO score? That number is exactly 1.76% of consumers across the country, according to Experian. (1) Think of your FICO score as a 3-digit headline version of your credit story. It sums up how long you’ve been borrowing, how much credit you have and if you pay your bills on time. The data from March 2025 shows that this is actually the highest percentage of Americans since 2009. Very few people reach this l ...