It’s on a scale of 250 to 900. A FICO bankcard score is a specialty credit score that some card issuers use in approval and credit limit decisions. It’s on a scale of 250 to 900.

The scores typically used by credit card issuers are different from the ones used by auto lenders, for example. These industry-specific FICO scores are on a 250-to-900 scale, rather than the 300 ...

You do indeed have an 850. But it's not a general, all-purpose FICO score. It's a bank card score provided by American Express, based on your Experian credit report.

While VantageScore initially had a 501-900 scale, VantageScore 3.0 changed the grading scale to match FICO's, using a 300-850 scale. Your VantageScore can be based on any of your three credit reports.