{"id":574,"date":"2025-07-09T16:33:29","date_gmt":"2025-07-09T16:33:29","guid":{"rendered":"https:\/\/next.tomocredit.com\/blog\/?p=574"},"modified":"2025-07-09T16:33:29","modified_gmt":"2025-07-09T16:33:29","slug":"what-is-a-good-credit-score","status":"publish","type":"post","link":"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/","title":{"rendered":"What Is a Good Credit Score?"},"content":{"rendered":"\n<p>Understanding what qualifies as a &#8220;good&#8221; credit score is one of the most important steps in managing your financial health. While it may seem like hitting the elusive 800 mark is the ultimate goal, the truth is far less intimidating\u2014and far more practical. A credit score above 750 is widely considered excellent and typically gives you access to the same benefits and terms as those with scores in the 800s.<\/p>\n\n\n\n<p>Credit scores typically range from 300 to 850. A score in the 670\u2013739 range is generally viewed as \u201cgood,\u201d 740\u2013799 is \u201cvery good,\u201d and 800 and above is \u201cexcellent.\u201d But here\u2019s the catch: lenders and financial institutions often don\u2019t differentiate much between someone with a 760 and someone with an 820. Once you cross the 750 threshold, you\u2019ve already reached the tier that grants the best interest rates, most attractive mortgage terms, and the highest-tier credit card rewards. There\u2019s no significant advantage to pushing your score from 750 to 800 unless you simply enjoy optimizing for its own sake.<\/p>\n\n\n\n<p>So what does this mean for someone with a 700 credit score? Simply put: 700 is already pretty good. It shows lenders that you\u2019re responsible, have a solid history of paying your bills on time, and can manage credit wisely. According to a recent U.S. News article on credit scores,<a href=\"https:\/\/tomoboost.com\"> TomoCredit<\/a> CEO Kristy Kim notes that a score of 700 is indeed commendable. But if you\u2019re aiming to qualify for the lowest mortgage rates or most competitive lending products, your best bet is to aim a little higher\u2014ideally above 750.<\/p>\n\n\n\n<p>Improving from a 700 to a 750 score isn\u2019t about dramatic changes. It\u2019s about refining your credit behavior: making every payment on time, lowering your credit utilization ratio (ideally below 30%, or even 10% for optimal impact), avoiding unnecessary hard inquiries, and letting your accounts age. These actions, compounded over time, steadily push your score upward without requiring perfection.<\/p>\n\n\n\n<p>Many people fixate on reaching 800 as if it\u2019s a status symbol. But it\u2019s more useful to think of your credit score as a tool, not a trophy. A score of 752 gets you the same mortgage rate as a score of 805. You don\u2019t get a lower interest rate just because your number starts with an \u201c8.\u201d Lenders assess risk, and once you\u2019ve demonstrated that you\u2019re an extremely low-risk borrower (which is what a 750+ score signifies), you\u2019re treated accordingly.<\/p>\n\n\n\n<p>It\u2019s also important to understand that your score can fluctuate due to factors outside your immediate control\u2014such as changes in credit reporting algorithms or the natural aging of your credit history. That\u2019s why it\u2019s more productive to maintain good habits consistently, rather than chase numerical perfection.<\/p>\n\n\n\n<p>In summary, yes\u2014700 is a good credit score. It means you\u2019re doing a lot of things right. But if you want to secure the best possible terms for major financial milestones like buying a house, refinancing a loan, or applying for a high-limit credit card, working your way above 750 is a smart and achievable goal. Just don\u2019t let yourself fall into the trap of obsessing over the difference between \u201cvery good\u201d and \u201cexcellent.\u201d Because when it comes to credit scores, excellent starts at 750\u2014and everything above that is just a cherry on top.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Understanding what qualifies as a &#8220;good&#8221; credit score is one of the most important steps in managing your financial health. While it may seem like hitting the elusive 800 mark is the ultimate goal, the truth is far less intimidating\u2014and far more practical. A credit score above 750 is widely considered excellent and typically gives [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-574","post","type-post","status-publish","format-standard","hentry","category-tomocredit-consumer-value-report-california-credit-score-growth"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is a Good Credit Score? - TomoCredit Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is a Good Credit Score? - TomoCredit Blog\" \/>\n<meta property=\"og:description\" content=\"Understanding what qualifies as a &#8220;good&#8221; credit score is one of the most important steps in managing your financial health. While it may seem like hitting the elusive 800 mark is the ultimate goal, the truth is far less intimidating\u2014and far more practical. A credit score above 750 is widely considered excellent and typically gives [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/\" \/>\n<meta property=\"og:site_name\" content=\"TomoCredit Blog\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-09T16:33:29+00:00\" \/>\n<meta name=\"author\" content=\"tomocredit\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"tomocredit\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/\"},\"author\":{\"name\":\"tomocredit\",\"@id\":\"https:\/\/tomocredit.com\/blog\/#\/schema\/person\/0a8c99d43df1c87f0bb58ea9db9e5178\"},\"headline\":\"What Is a Good Credit Score?\",\"datePublished\":\"2025-07-09T16:33:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/\"},\"wordCount\":542,\"publisher\":{\"@id\":\"https:\/\/tomocredit.com\/blog\/#organization\"},\"articleSection\":[\"Sarah James\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/\",\"url\":\"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/\",\"name\":\"What Is a Good Credit Score? - TomoCredit Blog\",\"isPartOf\":{\"@id\":\"https:\/\/tomocredit.com\/blog\/#website\"},\"datePublished\":\"2025-07-09T16:33:29+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/tomocredit.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What Is a Good Credit Score?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/tomocredit.com\/blog\/#website\",\"url\":\"https:\/\/tomocredit.com\/blog\/\",\"name\":\"TomoCredit Blog\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/tomocredit.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/tomocredit.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/tomocredit.com\/blog\/#organization\",\"name\":\"TomoCredit Blog\",\"url\":\"https:\/\/tomocredit.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/tomocredit.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/tomocredit.com\/blog\/wp-content\/uploads\/2025\/07\/tomoBoost.-Logo@2x.png\",\"contentUrl\":\"https:\/\/tomocredit.com\/blog\/wp-content\/uploads\/2025\/07\/tomoBoost.-Logo@2x.png\",\"width\":1062,\"height\":144,\"caption\":\"TomoCredit Blog\"},\"image\":{\"@id\":\"https:\/\/tomocredit.com\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/tomocredit.com\/blog\/#\/schema\/person\/0a8c99d43df1c87f0bb58ea9db9e5178\",\"name\":\"tomocredit\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/tomocredit.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3d98c810ef591a968e3838948a8be01ca0a14e40cc9fc5b7247ad4a4ca97ccb7?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3d98c810ef591a968e3838948a8be01ca0a14e40cc9fc5b7247ad4a4ca97ccb7?s=96&d=mm&r=g\",\"caption\":\"tomocredit\"},\"url\":\"https:\/\/tomocredit.com\/blog\/author\/tomocredit\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What Is a Good Credit Score? - TomoCredit Blog","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/","og_locale":"en_US","og_type":"article","og_title":"What Is a Good Credit Score? - TomoCredit Blog","og_description":"Understanding what qualifies as a &#8220;good&#8221; credit score is one of the most important steps in managing your financial health. While it may seem like hitting the elusive 800 mark is the ultimate goal, the truth is far less intimidating\u2014and far more practical. A credit score above 750 is widely considered excellent and typically gives [&hellip;]","og_url":"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/","og_site_name":"TomoCredit Blog","article_published_time":"2025-07-09T16:33:29+00:00","author":"tomocredit","twitter_card":"summary_large_image","twitter_misc":{"Written by":"tomocredit","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/#article","isPartOf":{"@id":"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/"},"author":{"name":"tomocredit","@id":"https:\/\/tomocredit.com\/blog\/#\/schema\/person\/0a8c99d43df1c87f0bb58ea9db9e5178"},"headline":"What Is a Good Credit Score?","datePublished":"2025-07-09T16:33:29+00:00","mainEntityOfPage":{"@id":"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/"},"wordCount":542,"publisher":{"@id":"https:\/\/tomocredit.com\/blog\/#organization"},"articleSection":["Sarah James"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/","url":"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/","name":"What Is a Good Credit Score? - TomoCredit Blog","isPartOf":{"@id":"https:\/\/tomocredit.com\/blog\/#website"},"datePublished":"2025-07-09T16:33:29+00:00","breadcrumb":{"@id":"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/tomocredit.com\/blog\/what-is-a-good-credit-score\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/tomocredit.com\/blog\/"},{"@type":"ListItem","position":2,"name":"What Is a Good Credit Score?"}]},{"@type":"WebSite","@id":"https:\/\/tomocredit.com\/blog\/#website","url":"https:\/\/tomocredit.com\/blog\/","name":"TomoCredit Blog","description":"","publisher":{"@id":"https:\/\/tomocredit.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/tomocredit.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/tomocredit.com\/blog\/#organization","name":"TomoCredit Blog","url":"https:\/\/tomocredit.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/tomocredit.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/tomocredit.com\/blog\/wp-content\/uploads\/2025\/07\/tomoBoost.-Logo@2x.png","contentUrl":"https:\/\/tomocredit.com\/blog\/wp-content\/uploads\/2025\/07\/tomoBoost.-Logo@2x.png","width":1062,"height":144,"caption":"TomoCredit Blog"},"image":{"@id":"https:\/\/tomocredit.com\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/tomocredit.com\/blog\/#\/schema\/person\/0a8c99d43df1c87f0bb58ea9db9e5178","name":"tomocredit","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/tomocredit.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/3d98c810ef591a968e3838948a8be01ca0a14e40cc9fc5b7247ad4a4ca97ccb7?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3d98c810ef591a968e3838948a8be01ca0a14e40cc9fc5b7247ad4a4ca97ccb7?s=96&d=mm&r=g","caption":"tomocredit"},"url":"https:\/\/tomocredit.com\/blog\/author\/tomocredit\/"}]}},"_links":{"self":[{"href":"https:\/\/tomocredit.com\/blog\/wp-json\/wp\/v2\/posts\/574","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tomocredit.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tomocredit.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tomocredit.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/tomocredit.com\/blog\/wp-json\/wp\/v2\/comments?post=574"}],"version-history":[{"count":1,"href":"https:\/\/tomocredit.com\/blog\/wp-json\/wp\/v2\/posts\/574\/revisions"}],"predecessor-version":[{"id":575,"href":"https:\/\/tomocredit.com\/blog\/wp-json\/wp\/v2\/posts\/574\/revisions\/575"}],"wp:attachment":[{"href":"https:\/\/tomocredit.com\/blog\/wp-json\/wp\/v2\/media?parent=574"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tomocredit.com\/blog\/wp-json\/wp\/v2\/categories?post=574"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tomocredit.com\/blog\/wp-json\/wp\/v2\/tags?post=574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}