The Dime Daily

Is a 760 Credit Score Good?

Updated 2026 · FICO Score 8 scale · U.S. average: 714

Yes — 760 is solidly in the 'very good' credit score range (740–799).

FICO bucket: Very Good (740–799)

Skip the fluff — TL;DR

760 means you get the absolute best rates on mortgages and auto loans, and you're approved for every mainstream credit product. The 760 threshold is specifically cited by Fannie Mae and Freddie Mac as a top pricing tier. You're 46 points above the U.S. average.
FICO RangeCategoryYour score
800–850Exceptional
740–799Very Good760 ← you
670–739Good
580–669Fair
300–579Poor

What a 760 credit score gets you

🏠 Mortgage

Fannie Mae and Freddie Mac's loan pricing treats 760+ as their best bracket — you're getting the absolute floor rate available for your loan type and LTV.

Typical rate: ~5.4–6.0% (30-year fixed)— estimate, varies by lender, LTV, and loan type

🚗 Auto Loan

Best rates from every lender category — bank, credit union, and captive finance.

Typical rate: ~1.9–4.5% APR

💳 Credit Cards

Every card. Instant approval everywhere.

🏢 Apartment Rental

Zero friction everywhere.

How 760 compares to the U.S. average

The U.S. average FICO is 714. At 760, you're 46 points above average and in the top ~20% of American credit scores.

U.S. average (714)760
300 (min)714 avg850 (max)

How to improve a 760 credit score

  1. 1

    Protect your score — it's now a valuable asset. Autopay minimums on everything.

  2. 2

    800 is your next round-number milestone. It's achievable but delivers no meaningful financial benefit.

  3. 3

    Thin file? Adding a new account type (if you lack installment loans, for example) can push you toward 800.

  4. 4

    Monitor for fraud more than you monitor for improvement — protecting 760 is the job.

💰 Dime's Take

760 is actually cited by some mortgage pricing engines (Fannie Mae/Freddie Mac LLPA schedules) as a specific pricing cutoff for the best rate tier. At 760, you've hit the ceiling of practical credit optimization. The difference between here and 800 is zero on your next mortgage rate.

Nearby credit scores

Is 740 a good credit score?Is 750 a good credit score?Is 780 a good credit score?Is 800 a good credit score?

Frequently asked questions

Yes — 760 is solidly in the 'very good' credit score range (740–799). FICO defines "good" credit as 670–739. Very Good credit (740–799) falls within or above that range, meaning you have access to most mainstream financial products at competitive rates.

With a 760 credit score: Mortgages — Fannie Mae and Freddie Mac's loan pricing treats 760+ as their best bracket — you're getting the absolute floor rate available for your loan type and LTV. Auto loans — Best rates from every lender category — bank, credit union, and captive finance. Credit cards — Every card. Instant approval everywhere. Apartment rentals — Zero friction everywhere.

Protect your score — it's now a valuable asset. Autopay minimums on everything. 800 is your next round-number milestone. It's achievable but delivers no meaningful financial benefit. Thin file? Adding a new account type (if you lack installment loans, for example) can push you toward 800. Monitor for fraud more than you monitor for improvement — protecting 760 is the job.

The U.S. average FICO is 714. At 760, you're 46 points above average and in the top ~20% of American credit scores.

FICO scores range from 300 to 850. The five ranges are: Poor (300–579), Fair (580–669), Good (670–739), Very Good (740–799), and Exceptional (800–850). Most lenders use FICO scores, though some use VantageScore which uses the same 300–850 range with slightly different cutoffs.
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