Is 750 a good credit score?

Whether 750 is a good credit score is more complex than you might think. In fact, there isn’t a definitive answer to what a good credit score is. Some lenders might consider 750 to be a good credit score. Others may not. Even the type of loan someone is applying for can affect whether a 750 credit score is considered good.

Learn more about what a 750 credit score could mean for your finances. Plus, find out where 750 falls on different credit score ranges and what the Consumer Financial Protection Bureau (CFPB) has to say. 

Key takeaways

• There isn’t a one-size-fits-all answer to whether 750 is a good credit score. It depends on the lender, loan and more. 
• FICO® says 750 is a very good score. And VantageScore® says 750 is a good score. 
• The CFPB says that 750 is a superprime credit score.
• Doing things like making on-time payments, staying below your credit limit and only applying for the credit you need can help improve your credit scores. 

Lenders typically use credit scores to help judge how likely someone is to pay back a loan on time. That’s called creditworthiness. And credit scores may only be part of how a lender determines whether they’ll approve a borrower for a loan and at what terms. 

Having a higher credit score may mean you’re more likely to be approved for a loan. It may also help you secure better loan terms, like a lower interest rate.

So how does having a 750 credit score affect your creditworthiness? There isn’t a universal answer to that question. Some lenders might consider 750 to be a good credit score for one type of loan but not another. Plus, different lenders may have their own perspectives on whether a 750 credit score is good or not. 

The CFPB says that scores above 720 qualify as superprime credit scores. And superprime is the highest credit score profile that the CFPB defines. 

FICO credit scores start at 300 and go up to 850. And FICO says that scores between 740 and 799 are very good. 

According to a report by Experian®, 714 was the average FICO credit score in America in 2022. So a FICO credit score of 750 was above average for that year.

VantageScore credit scores also range from 300 to 850. VantageScore says credit scores between 661 and 780 are good scores. This means that a 750 credit score is considered a good score by VantageScore. 

According to Experian, 38% of Americans have a VantageScore credit score that falls within the good range. 

It’s important to know how to use credit responsibly no matter what. By practicing responsible credit use over time, you may be able to work toward improving your credit scores and reaching the exceptional or excellent credit score range. 

Here are a few tips on using credit responsibly:

• Make on-time payments. Payment history can be a major factor that impacts your credit scores. The CFPB says you should pay on time, every time. Setting reminders for yourself or using automatic payments may help you avoid late payments.
• Keep your credit utilization ratio low. Your credit utilization ratio is a measure of how much of your available credit you’re using. The CFPB recommends using no more than 30% of your credit limit across all credit accounts.
• Pay more than the minimum. Paying down your balance in full every month may help your credit scores. Plus, it can help you minimize interest charges. But if you can’t, it’s still important to pay more than the minimum payment whenever possible. 
• Only apply for the credit you need. When you apply for a new credit account, it may involve a hard inquiry. One hard inquiry typically won’t have a significant impact on your scores. But too many hard inquiries may have a bigger impact.

FICO says that 750 is a very good score. VantageScore says 750 is a good score. And the CFPB says that a 750 credit score may be considered a superprime score. But keep in mind that there isn’t a simple answer to whether 750 is a good credit score. It all depends on who is judging the score and why.

Looking for a credit card? You can compare Capital One credit cards to find one that’s right for you. You can also see if you’re pre-approved for card offers before you apply. Pre-approval is quick and won’t hurt your scores.