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The credit score can go higher than 850... mine is 865 right now. It was just lowered from 868 last month. I have a credit card with Juniper and they tell you your score right on your account page. It is from TransUnion.
The *very* highest you can get is 850, but almost nobody scores that high. If you score above 700, you can generally get a decent interest rate on a loan. To improve your score, you need to pay off bills on time and in full, don't carry too many credit cards, and avoid adding new ones if you can. Good luck!
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