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    Question

    How good is a 760 FICO credit score?
    Considering some credit card debt, and two mortgages?
    9 months ago 11 Answers

    Best Answer

    It's good. But Credit History is much more important than credit score. Often, the lack of credit history is equated with bad credit. You should be aware that lenders will go through your credit report once you apply for a loan. Therefore you should also polish your credit report. To establish a good history , I suggest getting a $3000-$4000 loan and paying it off in full in 5-6 months. You might pay $200-$300 of interest but you will save thousands of dollars in your home mortgage and interest rates. Also checkout http://www.howtoestablishgoodcredit.com/Credit_Articles/index.php There are lots of articles there, related to your question, which you can find useful to boost your credit.
    a few seconds ago

    Other Answers

    • Excellent. Anything over 700 is very good in this day and age of credit abuse. Remember that debt does not lower your credit score unless you are pushing your card limits. In fact, holding debt and managing it well is how you get a good score in the first place. Alot of people think they have low scores simply because they have credit card debt. But more then likely its because they have not payed on time or have gone over their limit on several occasions.

      by iceman - 18 hours ago

    • 300-549: Extremely difficult to find any lender that will offer you credit. 550-619: You may be able to find credit, but very high interest rates and fees will likely apply. 620-679: You should be able to obtain credit, but you will probably be offered a higher interest rate. 680-749: You should have no problem getting credit and you will receive good interest rates and repayment terms. 750-850: Lenders are happy to offer you credit and provide you with their best rates and terms.

      by Faye H - 18 hours ago

    • its real good to refinance with and combine your two mortgages into one.

      by citronge69 - 18 hours ago

    • I went across the net and discovered a bunch of spam. However this webpage helped for us: financial-care.info- RE How good is a 760 FICO credit score? Considering some credit card debt, and two mortgages?

      by Karlik - 18 hours ago

    • I'm certain that you might find every financial answer at= financial-care.info- RE How good is a 760 FICO credit score? Considering some credit card debt, and two mortgages?

      by BHARDWAJ - 18 hours ago

    • OOO 760 FICO is beautiful!!! You are smart credit user! If you are interested in credit requirement: 0-0 No credit 350-619 Bad credit 620-659 Fair/Average credit 660-749 Good credit 750-860 Excellent credit Your aim is to keep you credit score and pay your bills on time!

      by Shirrwood - 18 hours ago

    • It's great. You should qualify for prime rates on new loans and credit cards.

      by Mariposa - 18 hours ago

    • To put a FICO 760 in perspective, only 13% of the credit-using population has a score of 800 or better. From everything I've read, 760 is not only significantly above average (673-720), but it will entitle you to the best (lowest) mortgage rates. When making a decision, many mortgage lenders will use the average of your 3 FICO scores (one for each of the 3 CRAs), and other mortgage lenders will use the one that is in the middle, called the median score. Before signing that loan application, know what the lender's policy is, and know your 3 FICO scores. Point: I've seen many cases where a person 3 scores vary in a range of 60 or more points, because each CRA carries different information. Please vote: did this help?

      by VT - 18 hours ago

    • It's a great score. And banks will definitely be generous with you. And it's a great score to use to get your rates lowered and pay less on your debt. Like someone else said before here: a great score to refinance!

      by Nina - 18 hours ago

    • 760 is an awesome credit score! The national average is somewhere between 670-680.

      by Texas Girl - 18 hours ago

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