A perfect credit score is the highest score you can achieve within a credit scoring system its numerical value can vary depending on which credit scoring system is used but it remains the holy grail for those seeking the best of the best scores. Only about 16 of the us population with a credit score has a perfect 850 according to ficos most recent statistics but it might not matter as much as you may think according to some experts. Jim droske recently pulled a wells fargo credit rating using the fico 9 on march 4 and it shows a perfect 850 but a credit report he pulled on march 11 using the fico 8 model shows 842 a perfect. To earn a perfect credit score your credit report will need to indicate that you are void of credit risk what that means is no negative information little to no debt no recent inquiries a mix of account types and decades of credit experience thats the dna of a perfect score