755 credit score — what will it get you

What your score means

For the purposes of this article, we’ll assume you’re looking at your FICO or Vantage Score (as these are the scores most commonly provided by credit cards and free-score sites).

A 755 credit score is considered a very good score by most lenders.

That means you can expect to qualify for most credit products and are eligible for the best terms. You may not get the absolute best rates available on a car or mortgage loan, but we’re talking less than a 1-percent difference, according to FICO’s estimations.

Your score – in context

Here’s what various score ranges mean (based on definitions from Experian regarding FICO scores):

Credit-score ranges defined

ScoreCredit typeExplanation
800+ExcellentConsumers in this range can expect easy approval for credit products and the best terms.
740-799Very goodConsumers in this range can expect to qualify for a wide range of products and are eligible to receive favorable terms.
670-739GoodConsumers in this range may vary in their qualification for credit products. Those at the lower end may get denied for premium products, or may have less-favorable terms/lower credit limits. Still, getting approved for a card or loan is absolutely feasible.
580-669FairConsumers in this range can expect higher interest rates and may not qualify for some credit products. Results will vary, based on whether the score is due to thin credit history or a troubled one (bankruptcies and late payments).
579 and lowerPoorConsumers in this range will have trouble qualifying for most credit products.

Your 755 score puts you just one row from the top. Expect to get approved for most financial products you apply for (unless you violate a lender’s other rules). However you may not qualify for the very highest credit limits or very lowest APRs available to those in ‘excellent’ credit tier.

What you’ll qualify for with a 755 score

You have many options, so make sure you pick the product that’s best for you.

Here are some of the best offers available now:

You can also see which specific offers you’re pre-approved for by using a soft-pull credit tool, like this one:

If you plan on carrying a balance on your card, rewards cards probably shouldn’t be your focus. The good news is that you probably qualify for some of the best 0 percent balance transfer offers on the market:

Want to get your score even higher?

Because your score is so close to the top, your strategy should be to fine-tune. Get your utilization even lower. Allow your credit history to lengthen over time. Consider whether it’s worth your time to calibrate your credit variety. Keep paying on time.

To help you nurture your already-great score, here are lFICO’s scoring factors in order of priority (biggest to smallest):

  • Payment history (35 percent of your FICO score): Payments are made on time. With a score like yours, this is probably something you’ve already mastered.
  • Utilization (30 percent of your FICO score): Use up as little of your credit limits as possible. At a bare minimum, stay below 30 percent. Preferably, you’ll stay below 10 percent.
  • Length of credit history (15 percent of your FICO score): FICO’s algorithm rewards you for accounts that have been open a long time. Rapidly opening new accounts will decrease your average age of accounts and lower your score. Letting your oldest accounts age will bolster this scoring factor.
  • New credit (10 percent of your FICO score): Every time you apply for a new credit product, expect a hard inquiry, which will temporarily lower your score.
  • Credit mix (10 percent of your FICO score): FICO (and, by extension, lenders) want to see that you can juggle a variety of credit types. Having both installment loans and revolving credit (ie, cards) on your report will help you maximize this factor.