By CreditNinja
Modified on April 9, 2024

Borrowers with a 775 credit score have “very good” credit. Many lenders consider this type of score excellent. 

A 775 FICO Score is higher than the national average.

According to a 2023 study by Experian, the average credit score for Generation Z (18-26) was 680, 690 for Millennials (27-42), and 709 for Generation X (43-58).¹ As you can see, your current score is higher than the average consumer! You can expect almost every financial institution to be more than willing to work with you.

Key Takeaways for a 775 Credit Score

Overview of Your
Credit Rating

A 775 score is very good. Borrowers with this type of score are considered to be low risk. Higher scores indicate that you have a long credit history and have a track record of responsibly managing your credit accounts.

Borrowing Options With a
775 Credit Score

A borrower with an excellent credit score can qualify for almost any loan product on the market. You can generally expect to get the lowest rates possible and quick approval for secured and unsecured loans.

Improving a 775
Credit/FICO Score

You can maintain your credit score by limiting your credit inquiries, paying bills on time, and avoiding too much credit card debt. Improving your credit can help you get a perfect score, which may help you get even better benefits.

Is a 775 Credit Score Good?

775 is higher than the average credit score of U.S. consumers and better than a “good” score. Good scores range from 670 to 739. A 775 score falls within the “very good” credit category. By working on raising your credit score by 25 points, you could obtain a score within the “excellent” category, which is perfect! A perfect credit score is not necessary to get excellent terms and rates on financial products, but it offers a safety net for any unexpected credit score decreases.

What Can You Get Approved for With a 775 Credit Score?

As someone with a very good credit score, you are likely to get approved for any of the following loan options:

Personal Loans

A personal loan is a great financing option because it is a multipurpose loan. Borrowers use personal loans for all types of unexpected expenses, such as car repairs, medical debt, and a loss of recurring income. If you have an excellent credit history and a reliable source of income, you can usually qualify for a sizable personal loan with great rates. 

Bank Loans

Most banks have strict FICO Score requirements because they usually offer higher loan amounts. Borrowers with high credit scores may have no issues qualifying for common bank loans, such as home equity loans and fixed-rate loans

Credit Cards

Most credit card issuers require at least good credit. If you have a higher FICO Score, you can typically look forward to getting a higher credit limit and an attractive APR. Rewards cards offer exclusive benefits for cardholders and can help you earn rewards from purchases. 

These are some of the best credit card options for high credit scores:

  • Chase Freedom Unlimited®: 1.5%-6.5% cash back
  • Wells Fargo Active Cash® Card:  2% cash back
  • Discover it® Cash Back: 1%-5% cash back
  • Capital One SavorOne Cash Rewards Credit Card: 1%-10% cash back
  • U.S. Bank Cash+® Visa Signature® Card: 1-5% cash back

Car Loans

Rates on auto loans are generally low for borrowers with high FICO Scores. However, rates for used vehicles will always be higher than for new cars. You may qualify for a 0% down auto loan with an excellent credit score, but remember that you will increase your total finance charge

Products To Help Maintain a 775 Credit Score

These are some helpful products that can help you maintain a very good credit score:

Credit Monitoring 

Monitoring your FICO Score can help you stay up-to-date on your financial profile. Knowing your credit score gives you the upper hand when you want to rent an apartment, sign up for a new utility account, or apply for a loan. 

You can typically get your free credit score from loan or credit card statements. You can also monitor your credit more regularly through a wide range of free credit score and tracking sites, like Credit Karma and Credit Sesame.

Budgeting Apps

Using a budgeting app to track your expenses can help improve your credit score. Budgeting apps can help you stay on track and achieve financial goals, such as improving your payment history or reducing your credit card balances. 

Automatic Payments

Signing up for automatic payments can prevent you from forgetting to make a payment. Many creditors allow you to schedule custom payments, so you can make sure you pay more than the minimum every month. 

Benefits of a 775 Credit Score

These are just a few of the benefits you receive with such a good credit score:

Low Interest Rates

Borrowers with high credit scores usually have no issues securing the lowest interest rates. A low rate can lower the monthly payment amount and the total interest cost. 

Suppose you’re taking out a $10,000 loan to be repaid over 5 years (60 months). The following table demonstrates the costs paid over the life of the loan at various interest rates.

Interest Rate

Monthly Payment

Total Amount Paid

Total Interest Paid





















Better Credit Card Rewards

Someone with an average credit score may get decent rates on credit cards. However, creditors usually only offer the best credit card deals to borrowers with high FICO Scores. If you have a 775 score, you may qualify for premium credit cards that offer the best cashback rewards. 

More Housing Options

Consumers with stable incomes and higher credit scores can usually get approved quickly for rental units. A high score indicates that you reliably pay your bills on time, which looks good to landlords. You may also qualify for a lower security deposit, which is typically one month’s rent. The average rent for an apartment in the U.S. is $1,718.² If you are renting a new apartment, you may not have to pay $3,436 upfront if you talk to the landlord and use your high credit as leverage. 

How To Maintain Your 775 Credit Score

You can maintain high credit scores by following these helpful tips:

Avoid Late Payments

Most credit scoring models place a lot of importance on your payment history. Maintaining an excellent payment history will help you keep your 775 credit score. You can sign up for autopay or payment alerts to avoid missed payments.   

Keep Credit Card Debt Low

Your credit card usage affects your credit scores and credit reports. Ensuring that your credit utilization is not too high can help you maintain your current credit rating.   

Monitor Credit Reports

 Monitoring your credit reports can help you maintain your credit scores. Each of the credit bureaus provides one free credit report annually. If you notice an error on a credit report, you can dispute it. A credit bureau must correct or delete inaccurate information on a credit report within 30 days. 

FAQs About 775 Credit Scores

Your credit mix refers to the different types of credit accounts you have, including installment loans and revolving credit. With a 775 credit score, you’re already doing well, but by carefully managing a mix of financial accounts, you could potentially boost your score even higher.

Increasing your credit limits can lower your overall credit utilization ratio. A lower utilization ratio is viewed positively by credit scoring models, as it suggests you’re not over-relying on credit. Just be cautious not to spend more simply because you have a higher limit.

Wisely managing your revolving financial accounts is crucial. These accounts, primarily credit cards, play a significant role in your credit score by affecting your credit utilization ratio. Regular, on-time payments and careful balance management on your revolving accounts can help safeguard your impressive score.

What Interest Rate Can I Get With a 775 Credit Score?

Borrowers with credit scores higher than 739 generally get the best rates on financial products. Lenders may determine you to be a low-risk customer, so they may extend attractive offers. Low rates can greatly reduce your interest fees.  

Can I Buy a House With a 775 Credit Score?

You are a prime candidate for a mortgage if you have a high credit score. Consumers with excellent credit scores may be eligible for conventional loans, which offer higher loan amounts, better rates, and flexible PMI terms.  

Top 5 Resources for a 775 Credit Score

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