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Introduction to an 830 credit score

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    Quick insights

    • An 830 credit score is considered “excellent” or “exceptional” depending on the credit scoring model used.
    • An 830 credit score can indicate that you are responsible with your credit, as demonstrated by making your payments on time.
    • You can maintain this high credit score by keeping up with your healthy financial routines and regularly monitoring your score.

    Once you’ve hit the 800+ credit score territory, you’re in the “excellent” and “exceptional” range as referenced by some models. But what does that mean for you?

    What does an 830 credit score mean?

    Your credit score is an indicator of your creditworthiness, or your ability to repay your debts, and is often used as a tool to help determine approvals for credit products (like a credit card or mortgage), interest rates and more. An 830 credit score is on the higher end of the credit score ranges.

    Credit scores fall into several different ranges depending on the scoring model used. Let’s break this down below:

    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

    As you can see above, an 830 credit score is considered to be an excellent VantageScore and an exceptional FICO score.

    This score likely means that you are highly responsible when managing your credit and that you repay your debts consistently and in a timely manner.  

    Is 830 a good credit score?

    Yes, as it is just a few points away from the highest possible credit score, 850. Only about  22% of Americans have a FICO score of 800 or higher, according to Experian™ as of April, 2024.ec-experian-800-score

    Benefits of having an 830 credit score

    Some ways an 830 credit score may benefit you include, but are not limited to:

    • Positive impact on loan terms. Whether you’re applying for a mortgage, personal loan or credit card, you are likely to land better terms and interest rates, which could potentially save you money over time.
    • Increased chances for approval. You may have better chances of getting approved for different credit products, including more premium credit cards, than if you had a lower credit score. Premium credit cards may come with special rewards programs, higher credit limits and more.
    • Potential for lower insurance premiums. Your insurance may check your credit score as part of the process of determining rates, so a higher credit score may help you save money on insurance payments.

    Maintaining an 830 credit score

    Credit scores are a lot like reputations—they take a while to build up, but they’re easy to tear down. Once you’ve reached an 830 credit score, you may want to consider maintaining it to reap the benefits listed above.

    To help maintain your credit score, consider the following:

    • Keep up with healthy financial habits. Continue to make your payments on time and maintain a low credit utilization ratio, which is the amount of credit you use against your total available credit limit.
    • Monitor your credit score. You can do this by enrolling in Chase Credit Journey®, a free online tool anyone can use. Whether you’re a Chase cardmember or not, Credit Journey® allows you to view your score provided by Experian™ anytime you want, however many times you want, without impacting your score.
    • Review your credit report. Your credit report can be requested annually and given to you for free from the three main credit bureaus—Experian, Equifax® and TransUnion®. Read it over to check in with your credit behaviors and to catch inaccuracies that might be negatively impacting your score.
    • Establish credit history. Having a long credit history is important to maintaining a high score, so you may want to keep older credit card accounts open if possible.

    Remember, it’s normal for credit scores to fluctuate.

    In conclusion

    An 830 credit score is just a hair away from achieving the highest possible credit score. It can grant you access to credit opportunities that you may not otherwise have with a lower credit score. It’s helpful to continue to monitor your score and check in with your financial habits so you can continue to maintain a positive credit profile.

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