750 Credit Score: Is It Good or Bad?
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A 750 credit score is considered excellent and above the average score in America. Your credit score helps lenders decide if you qualify for products like credit cards and loans, and your interest rate.
You are one of the 46% of Americans who had a score of 750 or above in 2021, according to credit scoring company FICO.
Here’s how your 750 credit score can affect your financial life.
You can get the best rates on loans and credit cards
When your score is 750, you can rest easy that you will qualify for most financial products and get among the very best rates on them. A 750 credit score is considered excellent on commonly-used FICO and VantageScore scales, which range from 300 to 850.
The exception is if you are new to credit because a high score isn't always enough. The length of your credit history and how much debt you carry relative to your income also matter.
Read more about the factors that influence your score to understand how to snag the best rates and terms.
How to safeguard your 750 credit score
You already practice good credit habits, but there are ways to safeguard your score and possibly take it higher:
Consider setting up automatic payments. A single late payment can knock as much as 100 points off your credit score. If you haven’t set up automatic payments, consider doing so to avoid the risk of missing a payment.
Keep an eye on your credit utilization. The lower your credit card balances are compared with your credit limits, the better it is for your score.
Look for errors on your credit reports. There may be mistakes on your report that prevent your score from going higher. Check your reports at all three credit bureaus and dispute any errors you find.