Understanding an 805 credit score
Quick insights
- A credit score of 805 is considered “excellent” or “exceptional” by some scoring models.
- It usually takes time, consistent on-time payments, healthy credit management and other habits to obtain and maintain an 805 credit score.
- An 805 score could help you access lower annual percentage rates (APRs), more premium credit cards and more.
If you’ve checked your credit score recently and have seen it shift even just by a few points to 805, you are on the right path. But what does this mean? Let’s dive deeper below.
Is 805 a good credit score?
An 805 credit score is considered “excellent” or “exceptional” by multiple credit scoring models. To help you understand where this score lands compared against other credit score ranges, let’s break down VantageScore® and FICO® score models and their credit score categories below as a way of illustration.
As of January 2025, VantageScore ranges are:
- Excellent: 781 to 850
- Good: 661 to 780
- Fair: 601 to 660
- Poor: 500 to 600
- Very Poor: 300 to 499
As of January 2025, FICO score ranges are:
- Exceptional: 800+
- Very Good: 740 to 799
- Good: 670 to 739
- Fair: 580 to 669
- Poor: 579 and below
An 805 credit score is at the high end of both the VantageScore and FICO scoring categories. Lenders typically consider someone with this score to be a lower-risk candidate, meaning someone who can repay their debts.
An 805 credit score may be achieved by making consistent, on-time payments, avoiding negative marks on your credit report, maintaining a low credit utilization ratio and having a long and positive credit history.
Benefits of having an 805 credit score
Having an 805 credit score may help you unlock financial opportunities, including the following:
- More chances of lower APRs. This could potentially help you save in interest costs over time.
- Potential approval of premium credit cards. These cards may come with special rewards programs that you can use to redeem points and more.
- Improved chances of approvals. You may find that with an 805 credit score, your applications for loans, mortgages, rentals and more could be smoother and more likely to be approved.
- Potential access to higher credit limits. You may be able to gain access to higher credit limits, allowing you to make larger purchases.
Strategies to maintain or improve an 805 credit score
Maintaining an 805 credit score is important if you want to keep the better opportunities that may come with a high score, as well as to help you keep a healthy credit profile. Some ways you can help maintain your 805 credit score include, but are not limited to:
- Continue making your payments on time. Just one missed or late payment may set your credit score back.
- Review your credit report. This document contains helpful insights and information about your credit behaviors. Make sure it looks accurate and keep an eye out for any errors.
- Check your credit score regularly. You can do this by enrolling in Chase Credit Journey®, a free online tool anyone can use. You can view your credit score provided by Experian™ whenever you want without impacting your score. Checking your credit score allows you to stay aware of any changes and see how your credit behaviors are affecting it.
- Maintain a low credit utilization ratio. This ratio is the amount of credit you use against your total available credit limit. For example, if you spend $3,000 of your total $10,000 available credit, your ratio would be 30%.
- Maintain a long credit history. If possible, keep older credit card accounts open and active, since credit history is an important part of your score.
In conclusion
As you continue on your path towards positive credit, remember that it takes patience, time and consistent effort to get to a point where your credit score is 805. It shows accountability, responsibility and may help grant you access to future financial opportunities. Credit scores fluctuate, so it’s important to continue monitoring your score and find ways to maintain or help improve it.
