773 Credit score: What You Need to Know in 2025

Who Has a 773 Credit Score?

While individual scores can vary significantly, Experian data shows a clear trend of credit scores increasing with age. Here is the breakdown of average FICO scores by generation for 2023:

• 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 773 Credit Score

A credit score of 773 places you firmly in the "very good" credit range, opening up a wide array of credit card options. Lenders view applicants with scores like yours as highly reliable, significantly increasing your chances of approval for most cards. You'll likely qualify for premium travel rewards cards, attractive cash-back offers, and cards with low introductory APRs.

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Kudos simplifies the search with its Explore Tool, a personalized engine that matches you with cards based on your preferences for rewards, low interest, or other benefits. The tool provides transparent, unbiased recommendations from a database of nearly 3,000 cards, helping you make an informed decision that fits your financial situation.

Auto Loans and a 773 Credit Score

A 773 credit score is considered very good, placing you in the prime borrower category for auto loans. This means you will likely qualify for competitive interest rates and have a strong chance of approval from most lenders.

• 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 773 Credit Score

A 773 credit score places you in an excellent position for homeownership, qualifying you for virtually any type of mortgage. Your score comfortably exceeds the minimums for Conventional, Jumbo, FHA, VA, and USDA loans. Lenders see borrowers in this range as highly reliable, which not only broadens your choices but also streamlines the underwriting and approval process.

This strong credit profile directly translates into significant financial benefits. You can expect to be offered the best available interest rates, which can save you a substantial amount of money over the loan's term. Furthermore, you'll likely receive lower Private Mortgage Insurance (PMI) premiums and gain negotiating power for perks like closing cost credits.

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 elements. The most common factors include:

• Your history of making payments on time is the most significant factor.
• How much of your available credit you're currently using, known as your credit utilization ratio, plays a major role.
• The age of your credit accounts, including the average age and the age of your oldest account, is also considered.
• Lenders like to see that you can responsibly manage different types of credit, 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 773 Credit Score

Your credit score plays a crucial role in your financial life, and it is always possible to improve your creditworthiness with proven methods. While a 773 score is already very good, taking specific actions can help you maintain your standing and push your score into the excellent range.

• Monitor Your Credit Reports. Regularly checking your reports from all three major bureaus ensures no errors or fraudulent activity can drag down your score. Catching inaccuracies early is crucial for maintaining a high score and preventing unexpected drops.
• Reduce Your Credit Utilization. Keeping your credit utilization low, ideally well below 30%, can further boost or stabilize a high score. Lenders view low utilization as a sign of responsible credit management, which can help you qualify for the best terms.
• Diversify Your Credit Mix. Lenders like to see that you can responsibly handle different types of credit, such as installment loans and revolving credit. Adding a new type of credit can help push a good score even higher by showing you have a well-rounded financial profile.
• 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 your applications and using prequalification tools helps protect the high score you've already achieved.

Kudos can serve as your ultimate financial companion to help you manage your cards and monitor your score.