<prompt> Human: So, I imagine there are limits for how high your credit score itself can be based on how many negative items are on your report. So, for example, say you have a foreclosure on your credit report, would it be true that in 5 years your credit score could only reach a maximum of X? Is there anywhere I can dig deeper into this topic?  <response>: The max score is 850. But there are no hard and fast rules like If you have a foreclosure, it will never be over 700. And if there are, FICO isnt telling.Credit scores are complicated mathematical models that factor in a million different variables. Someone with a foreclosure could have a better score than someone who only has one credit card but theyve made late payments. Everyones situation is unique. I imagine the FICO website will provide you with more detailed information. 