Is 850 a good credit score?

Credit Card
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850 is a good credit score

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Hey Srishti,
Getting an 850 credit score might sound tough, but it is really about steady habits over time. Think of it as proof that you have handled credit responsibly for years, such as:

  • Paying bills on time
  • Keeping balances low
  • Borrowing only when it makes sense

There is no fixed timeline, but with consistency, you can get closer to that number.

The basics matter most. Always clear your EMIs and credit card dues before the deadline. Try to keep your usage under 30% of your total limit so lenders see you are in control.

Also, avoid applying for too many loans or cards at once, as it can make you look credit-hungry.

One thing many people do not realise is that not all bureaus use the same scale. Experian and Equifax stop at 850, while CIBIL and CRIF High Mark go up to 900.

So, whether you are aiming for 850 or 900, being in the top bracket is what really counts. Anything above 750 already puts you in a very strong position.