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Having bad credit is not a pleasant experience. Its possible to get an 850 credit score but its tough to achieve. What Is A Good Credit Score Forbes Advisor The score known as FICO Score 8 introduced over a decade ago in 2009 is the most used FICO score version today although there is a FICO 9 and the FICO 10 Suite. . On the FICO Score 8 scale of 300 to 850 one of the credit scores lenders most frequently use a bad credit score is one below 670. FICO considers a score between 800 and 850 to be exceptional while VantageScore considers a score above 780 to be excellent. A numerical rating that expresses how likely you are to repay your debts. In other words what one lender might consider very good another could consider good. And lenders create or use their own standards when making credit-based decisions. Consumers with a credit score in the range of 740 to 850 are considered consistently responsible when it comes to managi...