Having 839 is a good credit score?
When my latest credit report showed 839, I had a mix of excitement and curiosity. It looked like a fancy number, but I wanted to be sure—does it really count as excellent in India, or just “above average”? So, I did some research (and even called up my banker relative) to clear the confusion.
And, I found out, 839 isn’t just good, it’s excellent! In fact, it places you right at the top position in the lenders’ eyes.
Here’s a quick breakdown of the ranges:
| Credit Score Range | Creditworthiness | Loan Approval Probability |
|---|---|---|
| 750 to 900 | Excellent | High |
| 700 to 749 | Good | Good |
| 650 to 699 | Fair | Possible |
| 600 to 649 | Doubtful | Difficult |
| Less than 600 | Need to take immediate action | Low |
At 839, the “excellent” club helps you get quicker approvals, lower interest rates, and favourable terms compared to someone hovering around 650–680.
But remember, the key is not just reaching 839, it’s staying there. A few golden habits that I have developed are:
- Use a secured credit card responsibly.
- Be smart with Buy Now Pay Later (BNPL).
- Apply for cards at your salary account bank.
- Keep credit utilisation low.
So yes, an 839 credit score is outstanding, but maintaining it is where the real game begins.