Is a 750 Credit Score Good or Bad?

A 750 score is considered excellent. You will get among the very best rates on loans and credit cards.
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Is 750 a good credit score?

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. A score of 750 puts you in a strong position.

Roughly 48% of Americans had a score of 750 or above as of April 2023, according to credit scoring company FICO.

FICO Blog. Average U.S. FICO Score at 718. Accessed Dec 19, 2023.

Here’s how a 750 credit score can affect your financial life and how to maintain it.

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A 750 credit score can help get you the best rates on loans and credit cards

When your score is 750, you’re in a strong position to 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.

There are some exceptions; a high score by itself 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.

Can I buy a car with a 750 credit score?

You’ll find solid financing options with a 750 credit score. The average credit score was 755 for a new-car loan but 686 for a used-car loan in the first quarter of 2024, according to a report from credit bureau Experian.

Experian Information Solutions. State of the Automotive Finance Market Q1 2024. Accessed May 30, 2024.
The average auto loan rate for borrowers with a 750 credit score was 6.89% for a new car and 9.04% for a used car.

Can I buy a house with a 750 credit score?

A 750 credit score is well above the minimum credit score needed to buy a house, by most lenders’ standards. You are likely to qualify for the lowest interest rates on a mortgage.

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 major credit bureaus and dispute any errors you find.

While you may be determined to move your score up to 800 or higher to qualify for the best terms and rates, remember that 750 is above the good credit score threshold and will already help get you great offers.

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