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780 Credit Score: Good or Bad?

Scores between 740-799 on your FICO are considered Very Good. A 780 FICO Score is greater than the average credit score. For lower interest rates and better credit products options, lenders are more inclined to approve borrowers with excellent credit ratings.

Only 1% of people with high FICO Scores are considered severe delinquents in the next few years.

You Can Improve Your 780 Score

Scores 780 FICO, this is significantly higher than the average credit score.

Checking your FICO Score is the best way to improve your credit score. You will receive information regarding ways to improve your score based on your credit file information. These are just a few ways you can improve your score.

Work on a Higher Score

A history of paying your bills on time and managing your credit well are indicators of high credit scores. It is uncommon to make late payments or have negative credit entries. These are uncommon but possible if they have been there for a while.

Credit card companies and banks are more likely to offer credit cards for people with excellent credit ratings. Many provide terms that are better than the average for borrowers. Refinances may be possible for older loans at a lower interest rate than they were in years past. Credit cards may offer attractive rewards and low-interest rates.

How To Stay On Track Even When You Have Very High Credit Scores

Scores of 780 credits are a sign that you are skilled in financial management and organized. Your score can be improved, and you will work hard to improve it. Keep an eye on your score to avoid it being lower.

These factors can hurt credit scores

Credit usage

Calculate your credit utilization rate. Divide your credit limit and your balance. To get a percentage, multiply that number by 100. Calculate your card utilization loan rates. To calculate your total usage rate, divide your total balances and your borrowing limits (including zero balance card) If your credit limit on any of your cards is exceeded, your credit score could be affected.

Your utilization rate shouldn’t exceed 90%

Experts recommend keeping your utilization rate under 30% for all cards, revolving accounts, and revolving funds. Credit usage is a factor in your FICO Score (Score).

Pay your bills on time

This will have a bigger impact on your FICO Score than you might think. FICO Score: On-time payments are better for credit scores than late payments or missed payments. Your FICO Score can reach as high as 35% if you have a history of regular payments.

Credit mix

FICO this scoring system favors borrowers who have a wide range of credit. Installment loans (e.g., Fixed repayments can be made on car loans and mortgages. Revolving credit is available, such as. Credit cards allow you to borrow up to a specified credit limit and repay it monthly using variable payments. Your FICO Score can be affected by the credit mix.

Recent credit activity

The lender will need to see your credit report, credit score, and other information to determine if you are eligible for credit. Hard inquiries can temporarily affect your credit score. Soft questions, like checking your credit reports yourself, will not affect your credit score.

Hard inquiries usually recover within a few months

If you pay your bills on time, your score will increase. Your FICO Score can be affected by recent credit activity. Recent credit activity can hurt your FICO Score of up to 10%.

A credit history that lasts

Being older has many advantages, including a higher credit score. Your credit score will increase the more you use credit and make payments.

There is not much you can do if you are new to the credit markets

Your score will rise if you can make timely payments and make good credit decisions. Your credit history can impact your FICO Score. It could reach up to 15% FICO Score.

Public records

These factors can have a significant effect on your credit score. These entries can include bankruptcies, and they do not appear in every credit report.

These entries are not comparable to other factors that could impact your score by a %. A bankruptcy can stay on your credit report for up to 10 years. Lenders are reluctant to do business with you for long periods, regardless of how well your credit management is.

Credit Score Damage Can occur due to Fraudulent Activity

People with good credit ratings are more vulnerable to identity thieves and hackers. Crooks can open large credit cards or bogus loans in the name of you.

You can cancel the loans by contacting the lender directly. This can be avoided by credit monitoring and identity theft protection. These services will alert you if there is a new credit application or your credit report is not up-to-date.

To track your credit score, you can use credit monitoring. It will alert you to immediate actions.

Find Out More About Your Credit Score

A 780 credit score can be attractive. You could qualify for the lowest interest rates and terms, along with the most attractive credit card rewards programs, if you fall within the “Exceptional” range (800-805).

It is crucial to know your credit score. Get a free credit report. Green Day Online Credit can help you determine your score. Learn which factors have the greatest impact on credit scores. Learn more about the different scores that can impact your credit score.



  • good credit score
  • payment history
  • credit card debt/debt
  • advertiser disclosure
  • credit habits
  • good credit score
  • credit utilization
  • good credit
  • credit score club
  • mortgage rate
  • credit card issuer
  • credit card balance