Financial Education

Understanding Your 790 Credit Score

A credit score of 790 is on the higher end of the very good range. Maintaining a positive payment history, low credit utilization, and a diversified credit mix helps achieve this score.

According to the credit bureau Experian, the average FICO score in the United States is 719.1 With a 790 credit score, you’re well above that average!

While 790 is a very good score, it’s on the cusp of improving into the “excellent” credit range. Here, you’ll learn what it means to have a FICO score of 790, and how you can work towards improving into the top credit tier!

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Key Takeaways for a 790 Credit Score

Overview of Your Rating

790 is amongst the higher scores, falling in the very good credit range.

Borrowing Options

Most loan options are available, likely with favorable rates and terms.

Improving Your Score

Maintain good credit by making timely payments on debts and keeping credit utilization low.

Is a 790 Credit Score Good?

Yes! When it comes to credit score ranges, 790 falls within the “very good” range. According to most credit scoring models, scores between 300 and 579 are considered poor, scores between 580 and 669 are considered fair, scores between 670 and 739 are considered good, scores between 740 and 799 are considered very good, and scores between 800 and 850 are considered excellent. So, while 790 isn’t exactly a perfect credit score, it’s pretty darn close! Experian reports that 25% of consumers have a FICO score in the “very good” credit range.2

Pro Tip: Many lenders look beyond just the score. Consistent income and recent payment history can still unlock opportunities.

US Population Credit Score Distribution

Poor

Fair

Good

Very Good

Exceptional

300-579

580-669

670-739

740-799

800-850

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Personal Loans

Personal loans encompass a few different loan types. Funding like debt consolidation loans, quick cash loans, and long-term installment loans all fall under the personal loan category. With a great credit score, you usually have the power to make your personal loans customizable, allowing you to choose your preferred loan amounts and terms. Furthermore, with a 790 credit score, you can expect some of the best rates lenders have to offer!

Bank Loans

Bank loans are typically used for large purchases like home renovations or repairs, work on a vehicle, or major debt consolidation endeavors. Since banks put a heavy emphasis on credit history when approving applicants for loans, you should have a good chance of finding approval with a 790 credit score.

Credit Cards

Like banks, credit card issuers tend to favor consumers with higher credit scores. Some popular credit cards you may enjoy with a 790 score are:

• Capital One Quicksilver Cash Rewards Credit Card

• Capital One SavorOne Cash Rewards Credit Card

• Discover it® Cash Back

• Southwest Rapid Rewards® Priority Credit Card

• World Of Hyatt Credit Card

• United Gateway℠ Card

• United℠ Business Card

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Action Plan

How to Maintain Your 790 Score

You can maintain your credit score with the following financial habits.

Consider Diversifying Your Credit Mix

While applying for new credit can temporarily bring down your score, diversifying your financial portfolio can help you maintain and even improve your credit score.

Keep Up Your Payment History

The most important thing you can do to maintain your credit score is to make sure you are making all your due payments on time. Payment history is the most influential factor that affects your credit score, so having a flawless history is key!

Try Not to Spend Your Full Credit Limit on Credit Cards

Each credit card, savings, and checking account you have affects your credit utilization rate. While it’s tempting to spend up to your credit limits each month, this can become a major drain on your finances. Instead, try to keep your available credit high and your balances due low.

Can I Buy a House With a 790 Credit Score?

With a very good credit score, buying a home should be attainable. The U.S. Department of Housing and Urban Development suggests taking the following steps when purchasing a home:

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.

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