In summary, obtaining a very good or excellent score can lead to access to some of the best deals and prices available. Excellent credit scores typically indicate you have a good chance of being approved for loans and other credit products with favorable terms, though lenders take a number of factors into account when evaluating a credit or loan application. Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect.
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Compensation may factor into how and where products appear on our platform (and in what order). However, since the majority of our revenue comes from the offers you accept, we make an effort to present you with offers we believe are a good fit for you. Thats why we provide features like your Approval Odds and savings estimates.
Naturally, not all financial products are represented by the offers on our platform, but our aim is to present you with as many excellent options as possible.
A 750 credit score is outstanding, placing you among the top 48% of Americans in terms of creditworthiness This score opens doors to exceptional loan rates and credit card perks, but did you know it can be even better? By pushing your score into the Exceptional range (800-850), you could unlock the absolute best lending terms, including the lowest interest rates and fees, and the most coveted credit card rewards programs.
What Makes a 750 Credit Score So Stellar?
- Excellent credit score: This score falls within the “Excellent” range on both the FICO and VantageScore scales, which range from 300 to 850.
- Access to top financial products: With a 750 score, you’ll qualify for most financial products and receive some of the best rates available.
- Lower interest rates: A higher credit score translates to lower interest rates on loans, saving you money over time.
- Better credit card offers: You’ll be eligible for credit cards with higher credit limits, lower interest rates, and richer rewards programs.
Taking Your 750 to the Next Level
While a 750 credit score is impressive, there’s always room for improvement. Here are some tips to boost your score even higher:
- Maintain good credit habits: Continue making payments on time, keeping your credit utilization low, and avoiding opening new accounts too frequently.
- Dispute any errors on your credit reports: Mistakes happen, and they can negatively impact your score. Regularly review your credit reports for errors and dispute any inaccuracies.
- Become an authorized user on a responsible account: If you have a friend or family member with excellent credit, ask if you can be added as an authorized user on their account. This can help improve your credit history and score.
- Pay down existing debt: Reducing your debt-to-income ratio can significantly boost your credit score. Focus on paying down high-interest debts first.
- Consider a secured credit card: If you have limited credit history or have struggled with credit in the past, a secured credit card can help you rebuild your credit.
Remember, even a small improvement in your credit score can lead to significant savings and benefits By taking steps to optimize your credit, you can unlock the best financial products and opportunities available
Additional Resources:
- NerdWallet: 750 Credit Score: Is It Good or Bad?
- Credit Karma: What does a 750 credit score mean?
- Experian: What is a Good Credit Score?
- Equifax: How to Improve Your Credit Score
By following these tips and utilizing the provided resources, you can take your excellent 750 credit score to even greater heights.
Hard inquiries by credit score range
| Credit score range | Average number of inquiries |
|---|---|
| 300–639 | 8 |
| 640–699 | 5 |
| 700–749 | 4 |
| 750–850 | 3 |
Ranges identified based on 2023 Credit Karma data.
How to get a 750 credit score
While there isn’t a single right way to raise your credit score, there are a few things you should know in order to keep it up to date.
Understanding these credit factors is a good idea even if you have excellent credit. This is especially true if you’re looking to apply for a new loan or want to get the highest possible score.
By dividing the amount of credit you are currently using by the total amount of credit you have access to, you can determine your credit utilization rate. You should try to keep this under 30%, but usually, the lower your utilization rate, the better.
There are two strategies to improve your credit utilization: having high credit limits and maintaining low credit card balances. You can ask your credit card issuer to raise your credit limit if you need to quickly reduce your credit utilization, but be aware that this could result in a hard inquiry.
If you have a high credit utilization rate and intend to apply for a new card soon, think about paying off some of your current card debts early. Prior to submitting a new application, you might be able to lower your credit utilization rate and even raise your scores if you pay off your balances before they are reported to the credit bureaus.
Your payment history is an important factor in your credit health. A single late payment can potentially have a big impact on your scores.
It might be worthwhile to call your credit card issuer to inquire about the possibility of having the late payment removed if you’ve missed a deadline, particularly if it hasn’t happened previously.
Demonstrating to lenders your ability to manage multiple credit accounts is an additional approach to showcase your credit usage experience. This may apply to loans such as mortgages that are paid back in installments as well as credit cards, which are a form of revolving credit.
However, we usually advise against applying for a loan merely to raise your credit score, particularly if it will be expensive. Additionally, if you apply for a new loan, your credit may suffer from a hard inquiry being recorded on your reports.
Why You NEED a 750 Credit Score
FAQ
What does a 750 credit score get you?
Can you buy a house with a 750 credit score?
What percentage of the population has a credit score of 750?
|
FICO® Score range
|
Percent within range
|
|
600-649
|
9%
|
|
650-699
|
12%
|
|
700-749
|
17%
|
|
750-799
|
24%
|
Is a 750 credit score good?
A 750 credit score is Very Good, but it can be even better. If you can elevate your score into the Exceptional range (800-850), you could become eligible for the very best lending terms, including the lowest interest rates and fees, and the most enticing credit-card rewards programs.
Can I buy a house with a 750 credit score?
Yes, a credit score of **750** is considered a good score to buy a house . With this score, you are in a better position than the typical first-time homebuyer, whose average credit score is
How much debt should a 750 credit score be?
In most cases, they will not want it to exceed 43 percent. This means that your total monthly debt — including mortgage costs, student loan and car payments, credit card bills, etc. — should be less than 43 percent of your monthly income. How does a 750 credit score impact how much house I can afford?
Can a 750 credit score get a mortgage?
While credit scores of 800 or above are labeled “exceptional,” a score of 750 will likely get you some of the best rates available for auto loans and mortgages. You’ll also have access to some of the most attractive credit card products. Which types of credit cards can you get with a 750 credit score?