760 Credit Score: Is It Good?
A 760 credit score is considered "Very good" on the FICO scale. A 760 is a solid score that most lenders view favorably.
Is a 760 credit score good?
On the FICO scale of 300–850, a 760 falls in the very good range. That means most mainstream lenders will approve you, and your rates get better the higher you climb. See the full credit score ranges and what counts as a good score.
What you can get with a 760 credit score
With a 760, you can generally qualify for:
- premium rewards credit cards
- very competitive mortgage rates (the best tiers begin around here)
- low auto-loan APRs
- high credit limits
Exact approval and pricing always depend on the lender, your income, and the rest of your credit profile — these are general guidelines, not guarantees.
How to improve a 760 credit score
The same fundamentals move every score:
- Pay every bill on time — payment history is the biggest factor
- Lower your credit utilization by paying balances down before the statement closes
- Dispute any errors dragging your reports down
- Keep older accounts open to lengthen your credit history
- Avoid unnecessary new applications and hard inquiries
How far to the next tier
You're about 40 points from the "Exceptional" range (800+). Crossing a band boundary usually matters more for your rates than moving a few points within one, so it's a worthwhile target.
Check all three of your scores free
Your 760 may differ across Equifax, Experian, and TransUnion, because your three reports aren't identical. CreditVana shows all three free, refreshed every 14 days, so you know exactly where you stand.
Frequently asked questions
Is a 760 credit score good or bad?
A 760 is in the "very good" FICO range. It is generally considered good and qualifies you for most mainstream credit at competitive rates.
What can I get approved for with a 760 credit score?
With a 760, you can generally qualify for premium rewards credit cards and very competitive mortgage rates (the best tiers begin around here). Approval and rates depend on the lender and the rest of your profile.
How can I raise a 760 credit score?
Pay every bill on time, keep your credit utilization low, dispute any report errors, keep older accounts open, and limit new applications. These fundamentals improve any score over time.