What is the perfect Credit Score?

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Every credit bureau has their own credit score. FICO (Fair Issac) is probably most used as to mortgage scoring. Beacon is another name and you will get a slightly different score for credit cards. Essentially the range is 350-850, with anything 800 and above being considered "perfect", 700+ range being great, 650 range being pretty good and you won't be able to usually get a mortgage if you are below 500. They weigh a lot of factors into your score, including timeliness of payments, types of debt you have (installment, credit card, mortgage, etc.), your credit limits, the amounts of your balances v. your limits, etc. to arrive at your score. However, you cannot get a credit score if you have NO credit. In other words you could be a perfect cash customer and always pay your bills on time and have NO credit score.