772 Credit score: What You Need to Know in 2025

Who Has a 772 Credit Score?

While age isn't a direct factor in credit score calculations, there is a clear correlation between age and average credit scores. According to Experian data from the third quarter of 2023, scores tend to increase with each successive generation:

• 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 772 Credit Score

With a 772 credit score, you're firmly in the "excellent" credit tier, which significantly boosts your chances of approval for a wide range of credit cards. Lenders view this score as a sign of a reliable borrower, making you an attractive applicant for their best offers. Consequently, you can expect to qualify for premium cards that come with lucrative rewards, low interest rates, and valuable perks.

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Kudos offers a personalized Explore Tool that helps you find the ideal credit card by matching your financial preferences with its extensive database of nearly 3,000 cards. The tool provides tailored recommendations suitable for various credit profiles and financial situations, allowing you to compare your top choices side-by-side to make an informed decision.

Auto Loans and a 772 Credit Score

A 772 credit score is considered excellent and puts you in a very strong position when applying for an auto loan. Lenders view this score favorably, meaning you'll likely qualify for some of the most competitive interest rates and terms available according to a 2025 market analysis.

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

Mortgages at a 772 Credit Score

A 772 credit score is considered excellent and will qualify you for virtually any type of home loan. Lenders will see you as a low-risk borrower, giving you access to all major mortgage loans, including Conventional, Jumbo, FHA, VA, and USDA programs. This score places you well above the minimum requirements for each, opening up the widest range of financing options.

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Beyond just qualifying, your excellent credit has a significant positive impact on your loan terms. You will be eligible for the lowest available interest rates, potentially saving you tens of thousands of dollars. You may also benefit from lower Private Mortgage Insurance (PMI) premiums and have more negotiating power with lenders for better overall terms.

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's primarily based on a handful of key financial habits. The most common factors include:

• Your payment history tracks whether you have paid past credit accounts on time.
• Credit utilization is the percentage of your available credit that you are currently using.
• The length of your credit history considers the age of your oldest account and the average age of all your accounts.
• Having a healthy mix of credit types, such as credit cards and installment loans, can positively impact your score.
• Recent credit inquiries and newly opened accounts can temporarily lower your score.

How to Improve Your 772 Credit Score

No matter your starting point, it is always possible to improve your credit score. Even with a good score of 772, taking specific, consistent actions can help you reach an excellent rating and unlock better financial opportunities.

• Monitor your credit reports. Regularly checking your reports ensures that errors or fraudulent activity don't unexpectedly lower your score, which is crucial for maintaining a high rating.
• Lower your credit utilization. Keeping your credit utilization ratio well below 30% is a key factor in maintaining and even boosting a high score, as this metric accounts for 30% of your FICO® score.
• Diversify your credit mix. Lenders like to see that you can responsibly manage different types of credit, and adding a new type of account can provide a small boost, even for those with already high scores.
• Limit hard inquiries. While applying for new credit is sometimes necessary, too many hard inquiries in a short period can cause a temporary dip in your score. Spacing out applications helps protect your high score from unnecessary drops.

Using a tool like the Kudos browser extension can help you manage your credit and maximize your financial benefits.