740 Credit Score: Is It Good or Bad?

A 740 score falls into the excellent range. You can get among the very best rates on credit cards and loans.
Amrita JayakumarAug 19, 2021

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A 740 credit score is considered to lie within the excellent range of scores. Lenders look at your credit score to see if you qualify for financial products like credit cards and loans and to determine your interest rate.

Credit scoring company FICO doesn't break down how many people had a score of 740.

This is how your 740 credit score can affect your financial life.

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A 740 credit score means you will typically qualify for most financial products and get low rates.

If you are still pretty new to credit, however, that may not be the case. Lenders also consider how long you’ve had credit and how much debt you carry.

Learn more about , so you know what matters most in maintaining your access to the best credit products.

Your score is high because you already follow excellent credit habits. The following tips will help you maintain your score and maybe even take it higher, especially if you like the challenge of going for 850, the on most scales.

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