Financial Education
Understanding Your 815 Credit Score
A credit score of 815 is considered excellent. People with this score typically have an outstanding payment history and low credit utilization on loans and credit cards.
An 815 credit score falls in the top tier of credit. It’s in the exceptional range and pretty close to perfect! Getting to this score takes lots of work and once you are there maintance is important.
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Key Takeaways for a 815 Credit Score
Overview of Your Rating
An 815 credit score is considered an excellent credit score. So, you are in the top tier with all the credit score models.
Borrowing Options
You’ll have access to all kinds of borrowing options both unsecured loans and secured loans, with this exceptional credit score.
Improving Your Score
Maintaining your credit will involve continued good financial habits like on-time payments and keeping debt low.
Is a 815 Credit Score Good?
An 815 credit score is considered an excellent credit score. When your average credit score falls into this range, you’ll have access to all kinds of credit accounts, credit limit options of all kinds, and interest rates that are highly competitive.
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.
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Personal Loans
With a higher credit score, such as 815, you’ll likely get approved for most personal loan options as long you meet the income requirements and other criteria. A personal loan can be extremely helpful with all kinds of emergencies or even planned expenses. These loans also usually have the most flexibility with repayment schedules.
Bank Loans
Bank loans are loan options that come directly from banking institutions. With FICO scores in the 815 range, you should have no issues regarding your credit history and credit scores for several, if not all, bank lending products.
Credit Cards
Most Americans have credit cards, a form of revolving credit; 82% have at least one credit card.1 Exceptional credit scores, such as an average credit score of 815, will mean several credit card opportunities and offers. Here are some credit cards for excellent scores:
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How To Maintain Your 815 Credit Score
Maintaining your credit score of 815 can involve keeping your credit utilization ratio low, paying bills on time, checking your credit reports often, familiarizing yourself with different credit scores, diversifying your credit mix, and keeping old accounts open so they stay on your credit report.
Can I Buy a House With a 815 Credit Score?
A credit score is just one part of the home-buying process, and so you’ll have to fulfill all the separate requirements with other factors. However, having an 815 credit score is a great starting point and should get you through the credit score requirement with most mortgages.
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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