Score Advice

780 Credit Score: Is it Good or Bad?

A 780 credit score on the FICO score scale of 300-850 is considered very good. People with this credit score are likely to be approved for credit cards and loans with better-than-average interest rates and terms.

Applicants with scores here are likely to receive better than average rates from lenders.

How to Improve Your 780 Credit Score

Your FICO score from Experian includes a list of individual factors that are having the biggest impact on your credit score. To improve your credit score, work on these personal factors first.

The Benefits of a Very Good Credit Score

With a very good credit score, you're likely to get the credit you need, when you need it, with favorable rates and terms. Your credit score can positively affect other aspects of your financial life, too: from helping you open utility accounts with low or no security deposits to making you a more appealing tenant to potential landlords.

How to Maintain Your Credit Score

To earn a very good credit score, you've been doing a lot of things right. Keep up the good work by continuing to pay all your bills on time, every time. Your steady, reliable and responsible payment history is the single most important factor in determining your credit scores.

Keep an eye on your credit utilization ratio — the total amount of credit you have available compared to the total amount you owe. Pay down balances and keep unused credit card accounts open to help keep your ratio low. Generally, the lower the ratio, the more positive the impact on your credit scores.

Maintain a good mix of credit, both secured and unsecured, and apply for new credit only when necessary. Opening too many accounts or having too many hard inquiries on your credit report in a short period of time can negatively affect your credit standing, so take care to avoid these when possible.

Monitor Your Credit and Prevent Identity Theft

Your very good credit score might make you a target for identity theft. Luckily, there are steps you can take to monitor your credit and protect yourself from identity thieves.

Using credit monitoring and identity theft protection tools can help you be vigilant about changes in your credit report that may signal your identity has been compromised. Credit monitoring alerts can notify you to review changes when they occur, giving you the opportunity to verify those changes when there are early signs of fraud on your accounts.

Credit monitoring also allows you to track your credit scores over time, so you can see how well you're doing in maintaining your very good credit scores.

Find Out More About Your Credit Score:

While a credit score of 780 is very good, it can be even better to qualify for the best interest rates and terms. Get your free credit report from Experian and check your credit score to find out the factors that impacting your score the most.

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