Financial Education
Understanding Your 710 Credit Score
710 is considered to be a good credit score by most financial institutions.
According to FICO, a “good” credit score is anything that falls between 670 and 739.
If you wonder, “Why does my credit score matter?” keep reading to understand how your credit score directly affects your financing options and terms.
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Key Takeaways for a 710 Credit Score
Overview of Your Rating
A 710 credit score is “good” and only 8 points away from the national average.
Borrowing Options
Consumers with good credit are eligible for most financial products.
Improving Your Score
You can maintain a good credit history by limiting new credit inquiries and paying on time.
Is a 710 Credit Score Good?
A 710 score is on the higher end of the “good” range. Good credit indicates that you are financially responsible and capable of managing different types of personal debt. By continuing to manage your finances successfully, you can obtain a “very good” credit rating, which may yield even better benefits.
Pro Tip: Many lenders look beyond just the score. Consistent income and recent payment history can still unlock opportunities.
US Population Credit Score Distribution
25
20
15
10
5
0
300-579
580-669
670-739
740-799
800-850
Check out some of our partners...
Explore financial products tailored for your current credit standing. These partners specialize in helping people rebuild.
Credit Builder Account
Build credit while saving money simultaneously.
No hard credit pull required to apply.
Reports to all three major credit bureaus.
Learn More ›
Lease-to-Own Solution
Flexible lease purchase plans for essential items.
Simple process with instant decisions.
No credit required option available.
Learn More ›
Personal Loans
Consumers with good credit scores typically have no issues qualifying for personal loans. A personal loan can provide quick cash for different types of emergencies. Inquire with multiple online lenders to find the best loan offer for your financial situation.
Bank Loans
Bank loans generally require good or excellent credit scores for funding. If you have a good credit rating, you may qualify for all types of bank loans, such as home equity loans, fixed-rate loans, or student loans. But remember that the approval process varies depending on the type of loan you want.
Credit Cards
Credit card companies typically require good credit for credit accounts. Since you have a decent credit history, you may have no issues getting approved for a high credit limit with a low annual percentage rate (APR). According to the Los Angeles Times, a good credit card APR is around 22%.¹
These are some of the best credit cards for good credit scores:
• Discover it® Chrome
• Chase Freedom Unlimited®
• Capital One Venture Rewards Credit Card
• Wells Fargo Active Cash® Card
• Chase Sapphire Preferred® Card
These are some of the best credit cards for good credit scores:
• Discover it® Chrome
• Chase Freedom Unlimited®
• Capital One Venture Rewards Credit Card
• Wells Fargo Active Cash® Card
• Chase Sapphire Preferred® Card
Action Plan
Action Plan
Action Plan
How To Maintain Your 710 Credit Score
You can maintain your 710 FICO Score by following these helpful tips:
Reduce Your Credit Usage
Using too much credit can decrease FICO Scores. If you want to maintain and work on improving your current score, keep your credit card balances low. Using too much credit will increase your credit utilization rate, which directly affects your credit scores.
Avoid Late Payments
Late payments will result in late fees, which can increase if you continuously miss payments. And if a payment is 30 days late, it can show up on your credit report and damage your FICO Score.
Limit Your Credit Inquiries
Submitting too many loan or credit applications within a short period can cause a few points to drop from your current credit score. Unless you need emergency funding or a better rate, consider avoiding applying for new credit accounts.
Can I Buy a House With a 710 Credit Score?
Borrowers with good credit and sufficient income are likely to qualify for a mortgage loan. There are two types of mortgages: conventional and non-conventional.
If you have good credit, you may qualify for a conventional mortgage. These home loans follow guidelines set by Fannie Mae and Freddie Mac and offer a wide variety of benefits.
If you have good credit, you may qualify for a conventional mortgage. These home loans follow guidelines set by Fannie Mae and Freddie Mac and offer a wide variety of benefits.
Mortgage Type
Description
Credit Score Requirements
Key Features
FHA Loan
Insured by Federal Housing Administration.
As low as 500 with 10% down.
Lower down payment requirements.
VA Loans
Backed by Dept. of Veterans Affairs.
Typically 620 (varies by lender).
No down payment required; no PMI.
USDA Loans
For homebuyers in rural/suburban areas.
640 for automatic underwriting.
No down payment required.
Disclosure: This table provides estimates; requirements and features can vary by lender and situation.
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