Is 813 a good credit score?
FICO scores range from 300 to 850. As you can see below, an 813 credit score is considered Exceptional.
|Credit Score||Rating||% of population|
|300 – 579||Poor||16%|
|580 – 669||Fair||17%|
|670 – 739||Good||21%|
|740 – 799||Very Good||25%|
|800 – 850||Exceptional||21%|
813 Credit Score Credit Card & Loan Options
Lenders are most attracted to borrowers with scores in the 813 range. With a score of 813, your focus should be maintaining your credit status to make sure you continue to get the best interest rates available.
Can you get a credit card with an 813 credit score?
Credit card applicants with a credit score in this range should have no issues getting approved for any credit card they want. However, remember to always make your payments on time and keep your balance below 30% of your credit limit.
Can you get a personal loan with a credit score of 813?
Most lenders will approve you for a personal loan with an 813 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 813?
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 an 813 credit score?
Most auto lenders will lend to someone with an 813 score. Again, you should qualify for the best interest rates they have to offer.
See also: 8 Best Auto Loans for Good Credit
Maintaining Your Exceptional Credit
It’s important to keep your balances low and keep your credit utilization under 30%. It’s also wise to maintain a mix of installment and revolving accounts.
Of course, you also want to continue making your payments on time from here on out. Even one late payment can be very damaging to your credit.
Length of credit history also plays an important role in your credit score. Therefore, you want to keep your oldest accounts open and continue to show potential creditors that you have a long, positive payment history.