Is 760 a good credit score?
Yes, a credit score of 760 is excellent. If you are at this level, lenders already view you as highly reliable. From my own experience, life with a 760 score feels much smoother. Loan approvals come faster, card limits are better, and even interest rates are easier to negotiate.
The benefits that usually come with a 760 score are:
- Quick Approvals: Banks do not hesitate much when your profile looks this strong.
- Lower Interest Rates: You can often negotiate and save quite a bit over the loan term.
- Higher Credit Limits: Credit cards with generous limits and premium perks become more accessible.
- Better Financial Freedom: Lenders trust you, so you have more flexibility with choices.
If you are already at this credit range, you are in a great spot. But I would still suggest keeping utilisation below 30%. Also, make every payment on time, and avoid too many new credit applications.
Stick with these habits and you will inch closer to the 800+ mark, which is the sweet spot lenders love most.