Qualifying
Is 750 a good credit score?
Yes — a 750 credit score is in FICO's 'Very Good' range (740–799) and is considered excellent. You'll qualify for the best rates most lenders offer and nearly any credit product, placing you well above the U.S. average.
The full picture
Where 750 falls on the FICO scale
On the 300–850 FICO scale, 750 is comfortably inside the 'Very Good' band (740–799) — past the 740 best-rate threshold and well above the U.S. average (mid-710s). Lenders see it as low-risk.
What a 750 score qualifies for
- Best-tier mortgage, auto, and personal loan rates at most lenders.
- Nearly any credit card, including the most competitive premium and travel products.
- High approval odds with minimal scrutiny on most applications.
- Strong leverage to negotiate rates, fees, and credit limits.
Does going to 800+ matter?
Only marginally. At 750 you already clear most lenders' best-rate thresholds; reaching the 'Exceptional' tier (800+) rarely changes the offers you receive. Maintaining 750+ — low utilization, on-time payments, aged accounts — is what protects your access to top pricing. See ClearValue's guide to personal loans for excellent credit for typical rates and amounts at this tier.
The numbers
Key takeaways
- 750 is 'Very Good' and considered excellent — best-tier rates at most lenders.
- Broad approval on nearly any product, well above the U.S. average.
- Going above 750 (toward 800+) adds little practical benefit.
- Maintaining the tier matters more than chasing a perfect 850.
Frequently asked questions
Is 727 a good credit score?
727 is in FICO's 'Good' range (670–739) — just under the 740 threshold where 'Very Good' begins. You'll qualify for most credit products at competitive rates, though not always the single best pricing tier reserved for scores of 740 and up.
Is 792 a good credit score?
Yes — 792 is in FICO's 'Very Good' range (740–799), the same tier as 750, and just shy of the 800 'Exceptional' band. You'll qualify for the best rates most lenders offer.
Is 741 a good credit score?
Yes — 741 just clears the 740 threshold into FICO's 'Very Good' range (740–799). It's the entry point to top-tier pricing at most lenders, though scores higher in the band (like 750 or 780) offer no further practical benefit over 741.
Is 737 a good credit score?
737 is in FICO's 'Good' range (670–739) — three points below the 740 cutoff for 'Very Good.' It still qualifies for solid rates on most products, but closing that small gap to 740+ can unlock better pricing tiers at some lenders.
Is 782 a good credit score?
Yes — 782 is in FICO's 'Very Good' range (740–799), same as 750, and well above the U.S. average. It qualifies for the best rates most lenders offer on mortgages, auto loans, and credit cards.
Is 742 a good credit score?
Yes — 742 just clears the 740 threshold into FICO's 'Very Good' range (740–799), the same tier as 750. You'll qualify for the best rates most lenders offer; scores higher in the band add little further benefit.
Is 781 a good credit score?
Yes — 781 is in FICO's 'Very Good' range (740–799), the same tier as 750 and close to the 800 'Exceptional' threshold. It qualifies for the best rates most lenders offer.
Is 748 a good credit score?
Yes — 748 is in FICO's 'Very Good' range (740–799), just below 750. The difference between 748 and 750 is not meaningful to lenders; you'll qualify for the same best-tier rates.
Is 728 a good credit score?
728 is in FICO's 'Good' range (670–739) — 12 points below the 740 cutoff for 'Very Good.' It still qualifies for solid rates on most products, but closing the gap to 740+ can unlock better pricing tiers at some lenders.
Is 794 a good credit score?
Yes — 794 is in FICO's 'Very Good' range (740–799), just one point below the 800 'Exceptional' threshold, and well above the U.S. average. It qualifies for the best rates most lenders offer.
Is 774 a good credit score?
Yes — 774 is in FICO's 'Very Good' range (740–799), the same tier as 750 and closing in on the 800 'Exceptional' threshold. It qualifies for the best rates most lenders offer.
Is 744 a good credit score?
Yes — 744 clears the 740 threshold into FICO's 'Very Good' range (740–799), the same tier as 750. You'll qualify for the same best-tier rates most lenders offer.
Is 772 a good credit score?
Yes — 772 is in FICO's 'Very Good' range (740–799), the same tier as 750 and closer to the 800 'Exceptional' threshold. It qualifies for the best rates most lenders offer.
Is 752 a good credit score?
Yes — 752 is in FICO's 'Very Good' range (740–799), just above 750. You'll qualify for the same best-tier rates lenders offer at 750.
Is 764 a good credit score?
Yes — 764 is in FICO's 'Very Good' range (740–799), above 750 and approaching (but not yet in) the 800 'Exceptional' tier. It qualifies for the best rates most lenders offer.
Is 787 a good credit score?
Yes — 787 is in FICO's 'Very Good' range (740–799), just 13 points below the 800 'Exceptional' threshold. It qualifies for the same best-tier rates as 750.
Is 757 a good credit score?
Yes — 757 is in FICO's 'Very Good' range (740–799), the same tier as 750. You'll qualify for the best-tier rates most lenders offer.
Is 797 a good credit score?
Yes — 797 is in FICO's 'Very Good' range (740–799), just 3 points below the 800 'Exceptional' threshold. It qualifies for the best rates most lenders offer.
Is 718 a good credit score?
718 is in FICO's 'Good' range (670–739) — 22 points below the 740 'Very Good' threshold. It still qualifies for solid rates on most products, but closing the gap to 740+ can unlock better pricing tiers at some lenders.
Is 819 a good credit score?
Yes — 819 is in FICO's 'Exceptional' range (800–850), the top tier. It qualifies for the best rates and terms available, with no practical benefit to scoring any higher.
Is 708 a good credit score?
708 is in FICO's 'Good' range (670–739) — 32 points below the 740 'Very Good' threshold. It still qualifies for solid rates on most products, but closing the gap to 740+ can unlock better pricing tiers at some lenders.
Published 2026-05-22 · Updated 2026-08-16 · https://clearvaluelending.com/answers/is-750-a-good-credit-score