Credit Scores, Disaster Risk, and Home Insurance Affordability - NBER
Frequent applications for new loans create "hard inquiries" that temporarily suppress scores. Beyond the Number: Why It Matters highest-credit-score
While an 850 is the ceiling for the most common scoring models—FICO and VantageScore—it is often described as a "vanity metric". In practice, lenders treat any score above 800 as "excellent," offering the same prime interest rates and terms as they would to someone with a perfect score. The difference between an 820 and an 850 is statistically significant to a computer but practically invisible to a bank manager. The Anatomy of an Elite Score highest-credit-score