Credit Score Question

[Alecia Loveless]

Recently my spouse has had her credit pulled twice. The first time her credit score came back an 863 and the second time an 858. Both claimed to be FICO scores.

I have always been under the impression that the range for FICO scores is 350-850.

We are now in a friendly argument over whether these scores are in fact FICO scores or what they are.

Can somebody please explain to me how they can be higher than 850? She does have excellent credit so I’m not disagreeing with that, I just don’t understand if it’s a different scale being used.

Experian was the company both times and when I go on Experian it says it uses a scale of 350-850.

[Matt Devincenzo]

I can't recall specifics, but FICO does have models that go to 900 now. I believe those specific models are tailored to consumer loans like auto and credit card. So while your 'normal' FICO 8 (or whatever typically is used) would be below 850, there are other FICO models that can be higher.

Edit: I found an Experian article that talks about it

https://www.experian.com/blogs/ask-experian/infographic-what...