Skip to main content
Chase logo, links to Chase home
Sign in
Credit Card Marketplace

780 credit score: A guide to credit scores

Time to read min

    Quick insights

    • A 780 credit score falls into the "good" or "very good" credit score range depending on the scoring model used.
    • You may want to take care in protecting your 780 credit score, considering it may give you access to more financial opportunities compared to lower credit scores.
    • To scale the credit score category from good to very good, you can take several proactive steps, including lowering your credit utilization ratio.

    You might be wondering what a 780 credit score means, especially if you’ve seen that it falls into two different categories—good and very good. Because these categories can seem rather vague, let’s break down what this score really means and how you can protect and even help improve it.

    Understanding a 780 credit score

    A 780 credit score is considered to be either a good credit score or a very good one depending on the scoring model used. The VantageScore® and FICO® scores range from 300 to 850 and have slightly different credit score categories.

    VantageScore credit score ranges are:

    • Excellent: 781 to 850
    • Good: 661 to 780
    • Fair: 601 to 660
    • Poor: 500 to 600
    • Very Poor: 300 to 499

    FICO credit score ranges are:

    • Exceptional: 800+
    • Very Good: 740 to 799
    • Good: 670 to 739
    • Fair: 580 to 669
    • Poor: 579 and below

    As you can see, a 780 VantageScore is considered to be on the high end of good whereas a 780 FICO score is labeled as a very good one.

    Assessing the strength of a 780 credit score

    Being in a good or very good credit score category can grant you access to financial opportunities that would be more difficult with a lower credit score. Let’s explore some of the ways a 780 credit score can benefit you.

    Unlocking opportunities with a 780 credit score

    With a 780 credit score, you are more likely to get approved for credit cards and loans with more favorable annual percentage rates (APRs). Additionally, you could get approved for higher credit limits or open a credit card that comes with special perks or rewards. A 780 credit score also creates a solid foundation for further improving your credit score and achieving even better financial opportunities.

    Homeownership with a 780 credit score

    If you’re wondering if a 780 credit score is good enough to land a mortgage, the odds may be in your favor. A 780 credit score is generally considered a good enough score to buy a house, as you may get approved for a mortgage with competitive interest rates and favorable terms.

    However, other factors such as your debt-to-income ratio and down payment will also be taken into consideration by lenders. To maximize your opportunity for better interest rates, you could consider making a higher down payment if possible.

    Protecting your credit from identity theft

    It’s important to understand that protecting yourself from identity theft could also help to prevent hurting your credit score.

    To help protect your score, you can:

    • Safeguard personal information. For example, you can shred documents containing Social Security numbers (SSNs), bank account information, etc.
    • Monitor your credit report for signs of identity theft, such as unauthorized accounts that have been opened under your name.
    • Consider enrolling in credit monitoring and identity monitoring services to help you stay aware of suspicious activity. For example, you can opt-in to these services for free when you enroll in Chase Credit Journey®. You can also use it to check your credit score for free without negatively impacting it.
    • Be cautious of phishing scams and only provide personal information to trusted sources. For example, make your purchases on secure websites using a protected internet connection.

    Tips to achieve an 800 credit score

    You might be thinking to yourself, “A 780 credit score is good, but what makes it even better? What could I get with an excellent credit score?” To achieve an 800 credit score or one that is considered excellent, you could take some proactive steps and remain consistent in your approach.

    These steps include, but are not limited to:

    • Continue making all payments on time. This is especially important because payment history makes up a large portion of your credit score. Just one late or missed payment can decrease your hard-earned credit score.
    • Keeping credit card balances low. Doing so can help you improve your credit utilization ratio, which is the amount of credit you use against your total available credit.
    • Don’t close old accounts. It may seem logical to close a credit card account you rarely use, but keeping these accounts active by using the card sparingly can help keep your credit history strong since it will positively impact your credit age and mix. This shows lenders (and the credit bureaus) that you can manage multiple accounts.
    • Regularly monitor your credit. As mentioned before, monitoring your credit reports for errors or potential fraud can be key to protecting your score. Disputing any inaccuracies and having them removed can also help improve credit scores.

    Conclusion: Empowering yourself with a 780 credit score

    A 780 credit score gives you a solid foundation from which you can achieve greater financial success. It gives you a leg-up compared to lower scores when it comes to approvals for loans and credit cards as well as qualifying for better interest rates. That’s why protecting your score (and even improving it) is key to continuing your path to financial wellness and making empowering choices that work for you.

    Get your free credit score

    Topics:

    What to read next