How many have great credit?








People with great credit are sometimes described as the credit elite, but it may not be as difficult to join that group as you think. Roughly 20% of consumers with credit reports at at least one of the major credit reporting agencies fall into the top tier of credit scores — scores that are generally higher than 780, on a scale of 300 to 850.

There are about 62 million American consumers with great credit (aka excellent or super prime credit), according to 2015 data from credit bureau TransUnion. That’s based on the VantageScore 3.0 model, which is one of many credit scoring models out there. Because of the variety of scoring models in use, the TransUnion data isn’t a definitive assessment on the breakdown of Americans’ credit health, but you get the idea: A lot of people have great credit. It’s a goal that can be achieved.

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