The highest credit score you can get is 850. It’s difficult (but not impossible) to get that if you have a shorter credit history or don’t have enough types of credit in your profile. But once you achieve a credit score of 740 or higher, you’re an excellent borrower. That status gets you access to the best interest rates and loan terms.
The reason 740 is the key number is because lenders can use a variety of credit scoring methods to evaluate your creditworthiness. Your score might be higher or lower depending on the scoring method, but once you exceed a 740, everyone just gets stuck into one main group of winners. So, don’t worry about your numerical score as much as what contributes to it. If you’re paying on time and watching your credit utilization, you’re likely at that star level—or creeping closer and closer to it.