Who Has a 792 Credit Score?

According to 2023 Experian data, average credit scores tend to increase with age. Here’s how the average FICO score breaks down by generation:

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

Credit Cards With a 792 Credit Score

A 792 credit score places you in the excellent credit range, which is a fantastic position to be in when applying for a new credit card. Lenders view this score as a sign of a highly responsible borrower, significantly increasing your chances of approval for a wide variety of cards. You'll likely qualify for premium rewards cards with lucrative sign-up bonuses, low-interest rates, and top-tier perks that are typically reserved for the most creditworthy applicants.

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Kudos can help you find the perfect card by using personalized tools like the AI-powered Dream Wallet, which analyzes your spending habits to match you with options suited to your financial situation. You can also use its Explore Tool to compare nearly 3,000 cards—over 95% of which are not tied to commissions—ensuring you get unbiased recommendations.

Auto Loans and a 792 Credit Score

A 792 credit score places you firmly in the super-prime category, giving you access to the best possible auto loan options. Lenders view you as a low-risk borrower, which translates to qualifying for the lowest interest rates and most favorable loan terms on the market.

According to Experian's Q2 2025 data, here are the average auto loan rates broken down by credit score:

• 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 792 Credit Score

A 792 credit score is considered excellent and will qualify you for virtually any type of home loan. You'll easily meet the minimum requirements for conventional, jumbo, FHA, VA, and USDA mortgages. Lenders view applicants with scores above 760 as highly desirable, which means you will have access to the widest array of loan products and potentially special incentives.

Your high score directly translates to significant savings and better loan terms. You can expect to be offered the lowest available interest rates, which could save you tens of thousands over the life of the loan. According to mortgage requirements, a top-tier score also makes for an easier approval process and can lead to lower private mortgage insurance (PMI) premiums.

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 792 Credit Score

While a 792 credit score is already impressive, there is always room for improvement to reach the top tier of financial health. With a few strategic moves, you can use proven methods to push your score into the excellent 800+ range.

• Reduce your credit utilization. While you're likely already below the standard 30% threshold, pushing your utilization under 10% can provide the final boost needed to cross into the excellent tier. This shows lenders you use credit sparingly and responsibly, regardless of your available limits.
• Monitor your credit reports. At this level, monitoring is less about fixing past mistakes and more about protecting your hard-earned score. Regularly checking for inaccuracies or signs of fraud ensures a small error doesn't unexpectedly knock you out of the top credit brackets.
• Limit new hard inquiries. Each hard inquiry can cause a small, temporary dip in your score, which is more impactful when you're aiming for a perfect rating. Spacing out applications for new credit prevents these minor dings from holding your 792 score back.
• Diversify your credit mix. If your score is built primarily on credit cards, adding an installment loan, like an auto or personal loan, can help. This demonstrates to lenders that you can successfully manage different types of debt, which can add valuable points to your score.

For help managing your cards and maximizing your financial health, consider using a tool like the Kudos AI-powered browser extension.