713 Credit score: What You Need to Know in 2025

Who Has a 713 Credit Score?

While age isn't a direct factor in credit score calculations, there is a clear correlation between age and higher scores. According to a 2023 analysis, average credit scores tend to increase with each generation as people have more time to build a positive financial history. Here is the breakdown by age group:

• Generation Z (ages 18-26): 680
• Millennials (ages 27-42): 690
• Generation X (ages 43-58): 709
• Baby Boomers (ages 59-77): 745
• Silent Generation (ages 78+): 760

Credit Cards With a 713 Credit Score

A credit score of 713 places you firmly in the "good" credit range, which is a great position to be in when applying for new credit. With this score, you'll likely find yourself eligible for a variety of credit cards, including those offering attractive rewards, sign-up bonuses, and lower interest rates. However, it's important to remember that while your score is a key factor, lenders also consider other aspects of your financial profile, such as your income and existing debt, before making a final decision.

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Kudos offers tools like the AI-powered Dream Wallet, which analyzes your spending habits to provide personalized credit card recommendations tailored to your financial situation. The platform helps you find your next card from a database of nearly 3,000 options and provides insights into how a new card might impact your credit score, ensuring you make an informed choice.

Auto Loans and a 713 Credit Score

A 713 credit score is considered good, placing you firmly in the prime borrower category for an auto loan. This means you can generally expect to qualify for competitive interest rates and favorable terms from a wide range of lenders.

Based on Experian's Q2 2025 data, here are the average interest rates for new and used car loans across different credit score brackets:

• Super-prime (781-850): 5.25% for new cars, 7.13% for used cars
• Prime (661-780): 6.87% for new cars, 9.36% for used cars
• Non-prime (601-660): 9.83% for new cars, 13.92% for used cars
• Subprime (501-600): 13.18% for new cars, 18.86% for used cars
• Deep subprime (300-500): 15.77% for new cars, 21.55% for used cars

Mortgages at a 713 Credit Score

With a 713 credit score, you are in a strong position to secure a home loan. This score is considered 'good' and is high enough to qualify for all major mortgage types, including Conventional, Jumbo, FHA, VA, and USDA loans. Because your score is well above the typical minimum requirements, you will have a wide variety of financing options available to you when you start speaking with lenders.

A 713 score generally leads to a smoother approval process and more favorable loan terms. Lenders will view you as a less risky borrower, which often translates to better interest rates and potentially lower Private Mortgage Insurance (PMI) premiums. While your score is solid, pushing it above 740 could help you secure the absolute best rates available.

What's in a Credit Score?

Figuring out what goes into your credit score can feel like trying to solve a complex puzzle, but it generally boils down to a handful of key financial habits. Here are the most common factors that determine your score:

• Your history of making payments on time is the most significant factor.
• The amount of your available credit that you're currently using, known as your credit utilization ratio, plays a major role.
• How long you've had your credit accounts open contributes to the length of your credit history.
• Lenders like to see that you can responsibly manage a variety of credit types, such as credit cards and loans.
• Opening several new credit accounts in a short period can be seen as a risk and may temporarily lower your score.

How to Improve Your 713 Credit Score

While a 713 credit score is considered good, there's always an opportunity to improve your financial standing. Fortunately, there are proven methods to boost your creditworthiness and build an even healthier profile.

• Reduce your credit utilization ratio. Aim to keep the amount of credit you use well below 30% of your total available limit. For a score in the good range, lowering this ratio is one of the fastest ways to demonstrate financial discipline and potentially see a significant score increase.
• Monitor your credit reports. Regularly check your reports from all three major bureaus to identify and dispute any inaccuracies. Even with a good score, errors can lurk on your report, and correcting them can provide a quick boost into a higher credit tier.
• Diversify your credit mix. Lenders like to see a history of responsibly managing different types of credit, like credit cards and installment loans. If your 713 score is built mostly on one type of account, carefully adding another can demonstrate your financial versatility.
• Limit hard inquiries. Each time you apply for new credit, it can trigger a hard inquiry that temporarily dings your score. To protect your 713 score, be strategic about new applications and use prequalification tools to shop for rates without impacting your credit.

For help managing your cards and maximizing rewards while you build your credit, the Kudos browser extension acts as an AI-powered financial companion.