Is 777 a good credit score?
FICO scores range from 300 to 850. As you can see below, a 777 credit score is considered Very Good.
|Credit Score||Credit Rating||% of population|
|300 – 579||Poor||16%|
|580 – 669||Fair||17%|
|670 – 739||Good||21%|
|740 – 799||Very Good||25%|
|800 – 850||Exceptional||21%|
777 Credit Score Credit Card & Loan Options
Most lenders will lend to borrowers with credit scores in the Very Good range. With a score of 777, your focus should be maintaining your credit status to make sure you get the best interest rates available.
Can you get a credit card with a 777 credit score?
Credit card applicants with a credit score in this range will be approved for most credit cards. Remember to always make your monthly payments on time and keep your balance below 30% of your credit limit.
Can you get a personal loan with a credit score of 777?
Most lenders will approve you for a personal loan with a 777 credit score. Therefore, you should qualify for the best interest rates available.
See Also: 12 Best Personal Loans for Good Credit
Can I get a home loan with a credit score of 777?
The minimum credit score is around 620 for most conventional lenders, so you should be able to qualify with no issues.
See also: 10 Best Mortgage Lenders for Good Credit
Can I get an auto loan with a 777 credit score?
Most auto lenders will lend to someone with a 777 score. You should qualify for the best interest rates they have to offer.
See also: 8 Best Auto Loans for Good Credit
How to Improve a 777 Credit Score
Credit scores in the Very Good range often reflect a history of paying your bills on time. However, you still may have some late payments or charges offs reporting.
It’s a good idea to grab a copy of your free credit report from each of the three major credit bureaus, Equifax, Experian, and TransUnion to see what is being reported about you. If you find any negative items, you may want to hire a credit repair company such as Lexington Law. They can help you dispute them and possibly have them removed.
Lexington Law specializes in removing negative items from your credit report. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
They can help you with the following items:
- hard inquiries
- late payments
- charge offs
Where to Go from Here
It’s important to pay down your balances and keep your credit utilization under 30%. It’s also wise to have different types of credit accounts to establish a solid credit mix because it accounts for up to 10% of your FICO score. So, you’ll want to have both installment and revolving credit showing up on your credit report.
Of course, you also want to focus on making timely payments from here on out. Even one late payment can be very damaging to your credit.
Length of credit history also plays an essential role in your credit scores. You want to show potential creditors that you have a long, positive payment history.
Give Lexington Law a call for a free credit consultation at (800) 220-0084 and get started repairing your credit today! The sooner you start, the sooner you’ll be on your way to having excellent credit.