What Does an 825 Credit Score Mean?

Congratulations! You have an 825 credit score which is an excellent score that puts you in the top 14.5% of consumers nationwide. This means you have a near-flawless credit history and are considered a low-risk borrower by lenders. As a result, you can expect to qualify for the best interest rates and terms on loans, credit cards, and other forms of credit.

Benefits of an 825 Credit Score

An 825 credit score comes with a number of benefits. including:

Lower interest rates: You’ll qualify for the lowest interest rates on loans, credit cards, and other forms of credit. This can save you thousands of dollars over the life of your loans.
Better loan terms: You’ll be able to get better loan terms, such as longer repayment periods and lower down payments.
More credit options: You’ll have access to a wider range of credit options, including premium credit cards and lines of credit.
Lower insurance premiums: Some insurance companies offer lower premiums to customers with good credit scores.
Better job opportunities: Some employers consider credit scores when making hiring decisions.

How to Get an 825 Credit Score

If you don’t have an 825 credit score yet don’t worry! There are a few things you can do to improve your score:

Pay your bills on time: This is the most important factor in your credit score. Make sure you pay all of your bills on time, every time.
Keep your credit utilization low: Your credit utilization ratio is the amount of credit you’re using compared to your total available credit. Aim to keep your credit utilization below 30%.
Check your credit report for errors: Mistakes on your credit report can lower your score. Be sure to check your credit report regularly and dispute any errors you find.
Limit the number of new credit accounts you open: Every time you apply for new credit, it can lower your credit score. Only apply for new credit when you need it.
Become an authorized user on a credit card with good credit: This can help you build your credit history without having to open a new account.

Is an 825 Credit Score Good Enough?

Although a credit score of 825 is already very good, there are a few things you can do to raise it further:

Continue to pay your bills on time: This is the best way to maintain your good credit score.
Keep your credit utilization low: Aim to keep your credit utilization below 10%.
Become a cosigner on a loan for someone with good credit: This can help you build your credit history and improve your score.

An 825 credit score is a great achievement that can save you money and give you access to better credit options. By following the tips above, you can continue to improve your credit score and reap the benefits of excellent credit.

Do You Need an 850 Credit Score?

Nothing magical will happen if your credit score of 825 ticks up to 850. And most importantly, you probably won’t save more money. You don’t need to take our word for it, though. We consulted a panel of financial experts, all of whom said the same thing.

Popular Credit Cards for an 825 Credit Score

A person with an 825 credit score has a very good chance of being approved for the best credit cards, which usually require good or excellent credit. The trick is finding the right card for your needs.

If you intend to use your credit card for regular purchases that you can pay off by the end of the month, you should compare credit cards with rewards. If you’re planning large purchases or a balance transfer that will take months to pay off, check out credit cards with 200 percent introductory annual percentage rate offers.

This Is What Your FICO Score REALLY Means

FAQ

How rare is an 825 credit score?

Membership in the 800+ credit score club is quite exclusive, with fewer than 1 in 6 people boasting a score that high, according to WalletHub data.

How rare is an 850 FICO score?

Only 1.31% of Americans with a FICO® Score have a perfect 850 credit score. While a score this high is rare among any demographic, older generations are more likely to have perfect credit. Baby boomers make up a whopping 59.4% of the people with an 850 credit score.

What is considered an excellent FICO score?

FICO Credit Score Ranges
Excellent/Exceptional	800-850
Very good	740-799
Good	670-739
Fair	580-669

Does anyone have a 900 credit score?

While older models of credit scores used to go as high as 900, you can no longer achieve a 900 credit score. The highest score you can receive today is 850. Anything above 800 is considered an excellent credit score.

Is a FICO ® score of 825 a good credit score?

A FICO ® Score of 825 is well above the average credit score of 714. An 825 FICO ® Score is nearly perfect. You still may be able to improve it a bit, but while it may be possible to achieve a higher numeric score, lenders are unlikely to see much difference between your score and those that are closer to 850.

Can you get a credit card with an 825 credit score?

An 825 credit score doesn’t guarantee you approval, however, because your income and existing debt obligations matter, too. But your odds of success are extremely high. To give you an idea of the possibilities, we’ve put together a list of popular credit card offers available to people with an 825 credit score.

How can i Improve my 825 credit score?

Best Way to Improve an 825 Credit Score: Reducing the credit utilization on your credit card accounts could quickly boost your score. You can also check out your WalletHub credit analysis for personalized tips.

What is the average utilization rate for a credit score of 825?

Among consumers with FICO ® credit scores of 825, the average utilization rate is 7.7%. The best way to determine how to improve your credit score is to check your FICO ® Score. Along with your score, you’ll receive a report that uses specific information in your credit report that indicates why your score isn’t even higher.