With a higher credit score, you’re more likely to qualify for loans, credit cards, and competitive interest rates. But even strong credit can improve with the right habits.
Below, we explain what a 793 credit score means—and how to keep building your credit.
Is 793 a good credit score?
Credit scores typically range from 300 to 850, with higher scores making it easier to qualify for loans and credit. As you can see below, a 793 credit score is considered Very Good. For context, the average credit score in America is 718.
| Credit Score | Credit Rating | % of population[1] |
| 300 – 579 | Poor | 16% |
| 580 – 669 | Fair | 17% |
| 670 – 739 | Good | 21% |
| 740 – 799 | Very Good | 25% |
| 800 – 850 | Exceptional | 21% |
793 Credit Score Credit Card & Loan Options
Borrowers with credit scores in the Very Good range should have no issues qualifying for a loan or credit card. With a credit score of 793, your focus should be maintaining your credit status to make sure you continue to get the most favorable loan terms available.
793 Credit Score: Qualifying for Credit Cards
With a credit score in this range, you qualify for most premium credit cards. Keeping your balances low and maintaining a strong payment history can help protect your credit scores over time.
793 Credit Score: Personal Loan Approval
Most personal loan lenders will approve you for a loan with a 793 credit score. You’ll likely qualify for the best rates lenders offer. But, your credit score isn’t the only factor lenders look at when reviewing your application. They’ll also consider your income, debt, and employment history.
See also: 8 Best Personal Loans for Good Credit
Qualifying for a Mortgage With a 793 Credit Score
The minimum credit score is around 620 for most conventional lenders, so you should qualify with no issues. With a higher credit score, you can expect the best interest rates and loan terms. This can save you thousands of dollars over the life of the loan.
See also: 10 Best Mortgage Lenders for Good Credit
Getting an Auto Loan With a 793 Credit Score
Most auto lenders will lend to someone with a 793 score. With Very Good credit scores, you should qualify for the best interest rates they have to offer. However, lenders also look at other factors, so there’s no guarantee that you’ll be approved for a loan.
See also: 10 Best Auto Loans
How to Improve a 793 Credit Score
A 793 credit score already puts you in a strong position with many lenders. Still, improving your credit scores further could help you qualify for even better rates, premium credit cards, and more favorable loan terms.
Here are some smart ways to keep building your credit:
Review Your Credit Reports Regularly
Checking your credit reports can help you spot errors or suspicious activity before they become bigger problems. Review your reports from Equifax, Experian, and TransUnion regularly and dispute any inaccurate information you find.
Keep Your Credit Utilization Low
Using too much of your available credit can lower your credit scores, even if you make your payments on time. Many people with excellent credit keep their utilization well below 30%.
Avoid Unnecessary Credit Applications
Applying for several new accounts within a short period can temporarily lower your credit scores. Only apply for new credit when it makes sense for your financial goals.
Keep Older Accounts Open
The age of your credit accounts plays a role in your credit scores. Keeping older accounts open can help strengthen your overall credit history.
What Helps Maintain Excellent Credit?
Once your credit scores reach the Very Good range, the focus usually shifts from rebuilding credit to maintaining strong financial habits.
Here are some of the biggest factors that can help protect and improve your credit scores over time:
- Payment history: Continue making every payment on time. Even one late payment can hurt your credit scores.
- Credit utilization: Keeping low balances on your credit cards can help maintain strong credit scores.
- Length of credit history: Older accounts can strengthen your credit profile, so think carefully before closing long-standing accounts.
- New credit applications: Applying for too many new accounts within a short period can temporarily lower your credit scores.
- Credit mix: Managing different types of credit responsibly may help strengthen your overall credit profile.
Jake is a personal finance writer with a background in consumer lending and credit counseling. He specializes in credit education, debt management, and helping readers understand the financial systems that affect their daily lives. His goal is simple: cut through the jargon and give people the information they actually need.
