When it comes to building credit, many people think they need to hit the magic number: 850—the highest possible credit score. But here’s the truth: you don’t need a perfect score to unlock excellent financial opportunities. In fact, once your credit score is in the high 700s, you’re already sitting in prime position to qualify for the best credit cards, low-interest loans, and other financial perks.
Credit scores typically range from 300 to 850. While it’s tempting to aim for the very top, lenders usually group scores into categories like “Good,” “Very Good,” and “Excellent.” Most benefits—like lower interest rates and access to premium financial products—start kicking in when your score crosses into the 740+ range. The difference between a 780 and an 850? Often negligible.
There’s no trophy for scoring 850. And realistically, very few people ever do. Credit scores are dynamic and influenced by various factors like your credit utilization, length of credit history, new inquiries, and payment history. But here’s the secret: Once you’re in the “Very Good” range, your score becomes less of a barrier and more of a green light. You’re eligible for premium rewards credit cards, low-interest mortgages, and favorable auto loan rates.
Instead of stressing over perfection, focus on maintaining consistent, healthy credit habits—like paying your bills on time and keeping credit utilization low. Those behaviors matter more in the long run than chasing an elusive perfect score.
At TomoCredit, we understand that navigating credit scores can feel overwhelming—especially for those just getting started. That’s why we created TomoBoost, a tool designed to help people build and improve their credit in smarter, more accessible ways.
We were recently featured in U.S. News in an article titled “Is 700 a Good Credit Score?”, where TomoBoost was highlighted as a helpful tool for people striving to boost their score—especially those aiming to break past that 700 mark and reach the “very good” range.
You’re already starting from a strong place with a 700 credit score—but when was the last time you did a routine check-up on it? Have you reviewed your credit report recently? It’s worth checking for any errors or late payments that might be holding you back. With a few smart moves, you could push into the high 700s or even low 800s—where the real perks begin to kick in.
So take a deep breath, stop chasing perfection, and start building smart. You’re closer than you think.