Is 778 a good credit score?
The FICO score range, which ranges from 300 to 850, is widely used by lenders and financial institutions as a measure of creditworthiness. As you can see below, a 778 credit score is considered Very Good.
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% |
778 Credit Score Credit Card & Loan Options
Most lenders will lend to borrowers with credit scores in the Very Good range. With a credit score of 778, 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 778 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 778?
Most lenders will approve you for a personal loan with a 778 credit score. In fact, you will likely qualify for the best interest rates available. However, keep in mind that your credit score is just one factor that lenders consider when deciding whether to approve your loan application. Other factors, such as your income, debt-to-income ratio, and employment history, may also come into play.
See Also: 12 Best Personal Loans for Good Credit
Can I get a home loan with a credit score of 778?
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
Can I get an auto loan with a 778 credit score?
Most auto lenders will lend to someone with a 778 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 for Good Credit
How to Improve a 778 Credit Score
Having a credit score in the Very Good range generally indicates a track record of prompt bill payments, but there might be some late payments or charge-offs still reported. To boost that 778 credit score, follow these expert tips:
Analyze Your Credit Reports
Begin by requesting a free copy of your credit report from each of the three major credit bureaus: Equifax, Experian, and TransUnion. Carefully review these reports to identify any negative items that could be impacting your credit score.
Consider Credit Repair Assistance
If your credit reports contain negative items, think about enlisting the help of a credit repair company like Lexington Law. Their team of experts can assist you in disputing these items and potentially have them removed.
With over 18 years of experience, Lexington Law specializes in eliminating negative items from credit reports. In 2021 alone, they achieved more than 6 million removals for their clients. Their expertise spans a variety of issues, including:
- Hard inquiries
- Late payments
- Collections
- Charge-offs
- Foreclosures
- Repossessions
- Judgments
- Liens
- Bankruptcies
To receive a free credit consultation, visit Lexington Law and get started on your credit repair journey. The sooner you start, the faster you’ll be on track to achieving excellent credit.
Strategize for Future Success
Understanding the five factors that contribute to your FICO credit score is essential for achieving and maintaining an excellent credit score. Here’s a breakdown of each factor and how to manage it effectively:

Payment History (35% of your FICO score)
Timely payments are the most critical component of your credit score. Late or missed payments can severely damage your score, so it’s crucial to set reminders, automate payments, or create a budget to ensure you’re consistently paying on time.
Credit Utilization (30% of your FICO score)
Credit utilization refers to the percentage of available credit you’re currently using. To maintain a healthy credit score, aim to keep your credit utilization ratio below 30%. This means that if you have a $10,000 credit limit, you should avoid carrying a balance of more than $3,000 at any given time. To achieve this, pay off balances regularly, keep credit card spending in check, and monitor your credit usage.
Length of Credit History (15% of your FICO score)
The longer your credit history, the better it is for your credit score. Lenders view a long, positive payment history as an indicator of financial stability and trustworthiness. To maximize this factor, avoid closing your oldest accounts, even if you don’t use them regularly. Instead, keep them open and use them occasionally for small purchases to maintain a favorable credit history.
Credit Mix (10% of your FICO score)
Having a diverse mix of credit accounts showcases your ability to manage different types of credit responsibly. Aim for a balanced mix of revolving credit (e.g., credit cards) and installment loans (e.g., car loans, mortgages, or student loans). While it’s not necessary to open new accounts solely for the sake of diversification, it’s essential to demonstrate responsible behavior across various credit lines.
New Credit (10% of your FICO score)
Opening multiple new credit accounts within a short period can negatively impact your credit score, as it may signal financial risk to potential lenders. To maintain a strong credit score, apply for new credit only when necessary and avoid making multiple applications in a short timeframe. Additionally, be mindful of the hard inquiries resulting from credit applications, as these can temporarily lower your score.