Is a 810 Credit Score Good Or Bad? + Your Loan & Credit Card Options

Summary:
So, you've got a 810 credit score, huh? That's fantastic! That's what they call "Excellent" in the world of FICO scores. This means you're sitting pretty when it comes to anything related to credit. Whether you're thinking about personal loans, credit cards, leases, or mortgages, lenders will likely be falling over themselves to offer you the best deals. With a score like this, you'll get the lowest interest rates on loans, which makes borrowing money way more affordable. As for next steps? It's less about making your score better (it's already top-notch) and more about keeping it that way. Make sure you keep up with your bills, double-check your credit history for any mistakes, and try to mix up the types of credit you use.

A credit score of 810 falls in the "Excellent" range (800 to 850) and signifies an impressive record of financial responsibility. With a 810 credit score, you can expect to enjoy access to a broad range of credit products and the best available terms. However, bear in mind that though an excellent score increases your chances, credit approval is not a sure thing and depends on various other factors such as your income, existing debts, and more.

With an "Excellent" credit score, you are already at the pinnacle of credit ratings. Your primary focus should be on maintaining this top-tier credit score to continue enjoying the best interest rates and terms. But how do you ensure your credit score remains at the top? While there's no secret formula, there are several proven strategies that can help you maintain your excellent credit score. Continue reading to understand more about the components of a credit score, what a 810 score indicates for your financing options, and how you can keep your score at its current high level.

How is Your Credit Score of 810 Determined?

Before we dive into what your 810 credit score means, let's first understand how credit scores are determined. Your credit score is based on various factors, each with its own importance in the total score.

  • Payment history. Your payment history, or the record of your bill and credit payments, is the most significant factor affecting your credit score. This history documents your on-time and late payments, whether they be loan repayments, credit card payments, utility bills, or other services.
  • Amounts owed. This factor looks at your available credit in comparison to the amount of credit you owe, also known as your credit utilization ratio. Ideally, this should be below 30%. High credit utilization, such as maxing out your credit cards, can negatively impact your score.
  • Length of credit history. The length of time you've maintained a credit account matters, even if you're not actively using that line of credit. This factor considers the age of your oldest and newest credit accounts and the average age of all your accounts.
  • Credit mix. Having a variety of credit accounts can be beneficial. A mix of credit cards, an auto loan, and a mortgage shows lenders your ability to manage different types of credit responsibly.
  • New credit. "New" credit refers to the number of credit accounts you've recently opened and the number of inquiries made into your account. Each time you apply for a new loan or credit line, the lender checks your credit history to review your score and payment history.
How FICO calculates credit scores

Pro Tip

Keep in mind that these categories aren't unique to FICO credit scores. Other models, such as VantageScore and PLUS, also consider these factors. While PLUS scores aren't often looked at by lenders, VantageScore is widely used. So when you review your credit score and history, make sure to check all your credit scores.

What Does Your Credit Score of 810 Imply?

A credit score of 810 is considered excellent. This score means you've demonstrated a long history of responsible credit management, timely payments, and a healthy credit mix. Lenders see you as a very low risk borrower, and you will often be offered the best terms and lowest interest rates. You are among the top tier of consumers for creditworthiness.
Credit score range % of consumers Delinquency rate
300-579 16% 61%
580-669 17% 28%
670-739 21% 8%
740-799 25% 2%
800-850 21% 1%
How you achieved a 810 credit score can be attributed to several key factors. You consistently make payments on time, keep a low credit utilization ratio, maintain a long history of credit accounts, and manage a diverse mix of credit types.

How Does Your 810 Credit Score Compare?

A 810 credit score is considered top tier. You are among a small percentage of consumers who have managed their credit so responsibly. Your score significantly surpasses the average credit score, which continues to rise as consumers become more credit-savvy.

The table below links to in-depth articles for all credit scores.

Credit score Scale
300Poor
301Poor
302Poor
303Poor
304Poor
305Poor
306Poor
307Poor
308Poor
309Poor
310Poor
311Poor
312Poor
313Poor
314Poor
315Poor
316Poor
317Poor
318Poor
319Poor
320Poor
321Poor
322Poor
323Poor
324Poor
325Poor
326Poor
327Poor
328Poor
329Poor
330Poor
331Poor
332Poor
333Poor
334Poor
335Poor
336Poor
337Poor
338Poor
339Poor
340Poor
341Poor
342Poor
343Poor
344Poor
345Poor
346Poor
347Poor
348Poor
349Poor
350Poor
351Poor
352Poor
353Poor
354Poor
355Poor
356Poor
357Poor
358Poor
359Poor
360Poor
361Poor
362Poor
363Poor
364Poor
365Poor
366Poor
367Poor
368Poor
369Poor
370Poor
371Poor
372Poor
373Poor
374Poor
375Poor
376Poor
377Poor
378Poor
379Poor
380Poor
381Poor
382Poor
383Poor
384Poor
385Poor
386Poor
387Poor
388Poor
389Poor
390Poor
391Poor
392Poor
393Poor
394Poor
395Poor
396Poor
397Poor
398Poor
399Poor
400Poor
401Poor
402Poor
403Poor
404Poor
405Poor
406Poor
407Poor
408Poor
409Poor
410Poor
411Poor
412Poor
413Poor
414Poor
415Poor
416Poor
417Poor
418Poor
419Poor
420Poor
421Poor
422Poor
423Poor
424Poor
425Poor
426Poor
427Poor
428Poor
429Poor
430Poor
431Poor
432Poor
433Poor
434Poor
435Poor
436Poor
437Poor
438Poor
439Poor
440Poor
441Poor
442Poor
443Poor
444Poor
445Poor
446Poor
447Poor
448Poor
449Poor
450Poor
451Poor
452Poor
453Poor
454Poor
455Poor
456Poor
457Poor
458Poor
459Poor
460Poor
461Poor
462Poor
463Poor
464Poor
465Poor
466Poor
467Poor
468Poor
469Poor
470Poor
471Poor
472Poor
473Poor
474Poor
475Poor
476Poor
477Poor
478Poor
479Poor
480Poor
481Poor
482Poor
483Poor
484Poor
485Poor
486Poor
487Poor
488Poor
489Poor
490Poor
491Poor
492Poor
493Poor
494Poor
495Poor
496Poor
497Poor
498Poor
499Poor
500Poor
501Poor
502Poor
503Poor
504Poor
505Poor
506Poor
507Poor
508Poor
509Poor
510Poor
511Poor
512Poor
513Poor
514Poor
515Poor
516Poor
517Poor
518Poor
519Poor
520Poor
521Poor
522Poor
523Poor
524Poor
525Poor
526Poor
527Poor
528Poor
529Poor
530Poor
531Poor
532Poor
533Poor
534Poor
535Poor
536Poor
537Poor
538Poor
539Poor
540Poor
541Poor
542Poor
543Poor
544Poor
545Poor
546Poor
547Poor
548Poor
549Poor
550Poor
551Poor
552Poor
553Poor
554Poor
555Poor
556Poor
557Poor
558Poor
559Poor
560Poor
561Poor
562Poor
563Poor
564Poor
565Poor
566Poor
567Poor
568Poor
569Poor
570Poor
571Poor
572Poor
573Poor
574Poor
575Poor
576Poor
577Poor
578Poor
579Poor
580Fair
581Fair
582Fair
583Fair
584Fair
585Fair
586Fair
587Fair
588Fair
589Fair
590Fair
591Fair
592Fair
593Fair
594Fair
595Fair
596Fair
597Fair
598Fair
599Fair
600Fair
601Fair
602Fair
603Fair
604Fair
605Fair
606Fair
607Fair
608Fair
609Fair
610Fair
611Fair
612Fair
613Fair
614Fair
615Fair
616Fair
617Fair
618Fair
619Fair
620Fair
621Fair
622Fair
623Fair
624Fair
625Fair
626Fair
627Fair
628Fair
629Fair
630Fair
631Fair
632Fair
633Fair
634Fair
635Fair
636Fair
637Fair
638Fair
639Fair
640Fair
641Fair
642Fair
643Fair
644Fair
645Fair
646Fair
647Fair
648Fair
649Fair
650Fair
651Fair
652Fair
653Fair
654Fair
655Fair
656Fair
657Fair
658Fair
659Fair
660Fair
661Fair
662Fair
663Fair
664Fair
665Fair
666Fair
667Fair
668Fair
669Fair
670Good
671Good
672Good
673Good
674Good
675Good
676Good
677Good
678Good
679Good
680Good
681Good
682Good
683Good
684Good
685Good
686Good
687Good
688Good
689Good
690Good
691Good
692Good
693Good
694Good
695Good
696Good
697Good
698Good
699Good
700Good
701Good
702Good
703Good
704Good
705Good
706Good
707Good
708Good
709Good
710Good
711Good
712Good
713Good
714Good
715Good
716Good
717Good
718Good
719Good
720Good
721Good
722Good
723Good
724Good
725Good
726Good
727Good
728Good
729Good
730Good
731Good
732Good
733Good
734Good
735Good
736Good
737Good
738Good
739Good
740Very Good
741Very Good
742Very Good
743Very Good
744Very Good
745Very Good
746Very Good
747Very Good
748Very Good
749Very Good
750Very Good
751Very Good
752Very Good
753Very Good
754Very Good
755Very Good
756Very Good
757Very Good
758Very Good
759Very Good
760Very Good
761Very Good
762Very Good
763Very Good
764Very Good
765Very Good
766Very Good
767Very Good
768Very Good
769Very Good
770Very Good
771Very Good
772Very Good
773Very Good
774Very Good
775Very Good
776Very Good
777Very Good
778Very Good
779Very Good
780Very Good
781Very Good
782Very Good
783Very Good
784Very Good
785Very Good
786Very Good
787Very Good
788Very Good
789Very Good
790Very Good
791Very Good
792Very Good
793Very Good
794Very Good
795Very Good
796Very Good
797Very Good
798Very Good
799Very Good
800Excellent
801Excellent
802Excellent
803Excellent
804Excellent
805Excellent
806Excellent
807Excellent
808Excellent
809Excellent
810Excellent
811Excellent
812Excellent
813Excellent
814Excellent
815Excellent
816Excellent
817Excellent
818Excellent
819Excellent
820Excellent
821Excellent
822Excellent
823Excellent
824Excellent
825Excellent
826Excellent
827Excellent
828Excellent
829Excellent
830Excellent
831Excellent
832Excellent
833Excellent
834Excellent
835Excellent
836Excellent
837Excellent
838Excellent
839Excellent
840Excellent
841Excellent
842Excellent
843Excellent
844Excellent
845Excellent
846Excellent
847Excellent
848Excellent
849Excellent
850Excellent

What Can You Get with a 810 Credit Score?

With an excellent 810, you have nearly unrestricted access to financial products:
Type of Credit Eligibility
Secured Credit Card Yes
Unsecured Credit Card Yes
Best Rewards Credit Card Yes
0% APR Credit Card Yes
Best Personal Loan Yes
Mortgage Yes
Auto Loan Yes

Common credit cards for a 810 credit score

There are numerous credit cards that you could apply for with a 810. Nonetheless, the best card for you hinges on your expenditure habits and financial objectives. With the comparison tool provided below, you can explore various credit cards designed for those with a 810. Alongside reviewing the APRs you're eligible for, ensure to familiarize yourself with the fees you may need to pay, including annual fees.

Frequently chosen personal loans for a 810 credit score

Similar to credit cards, a 810 permits you to apply for a range of personal loans, including both secured and unsecured loans. However, to pinpoint the best personal loan for you, it's necessary to evaluate all your options.

Auto loans with a 810 credit score

Fortunately, over half of all approved auto loans are made to applicants with FICO scores above 661, as per Experian. Although a score of 810 doesn't guarantee you an auto loan, you stand a good chance of being approved. Nevertheless, to ensure you secure the most favorable loan conditions, you may want to accumulate funds for a larger down payment or work on improving your credit score prior to applying for auto loans. As shown in the table below, a higher credit score can save you hundreds of dollars over the duration of the loan.
Credit score APR Monthly payment Total interest paid
720 - 850 6.511% $237 $1,386
690 - 719 7.744% $243 $1,661
660 - 689 9.573% $252 $2,076
620 - 659 10.739% $257 $2,345
590 - 619 15.055% $279 $3,372
500 - 589 16.484% $286 $3,723
*Rates above for a $10,000 48-month used auto loan.
Having said that, numerous auto loan lenders have previously approved applicants with a 810.

Mortgages and home loans with a 810 credit score

Those with credit scores above 620 typically comprise a large percentage of successful mortgage applicants. Similarly to auto loans, enhancing your score can save you substantial amounts of money on a mortgage.
Credit score APR Monthly payment Total interest paid
760 - 850 6.129% $304 $59,416
700 - 759 6.351% $311 $62,014
680 - 699 6.528% $317 $64,104
660 - 679 6.742% $324 $66,652
640 - 659 7.172% $338 $71,841
620 - 639 7.718% $357 $78,556
*Rates above for a $50,000 30-year fixed rate mortgage.
That said, your credit score isn't the only criterion mortgage lenders examine in your application. Alongside your credit, lenders will also evaluate your debt-to-income ratio (DTI), which illustrates what portion of your income is committed to repaying debts. Ideally, this ratio should be as low as possible. Most mortgage lenders prefer a DTI below 43%. If your DTI is under this threshold, you can begin comparing mortgages for a 810, such as those shown below.

Student loans with a 810 credit score

Fortunately, student loans are some of the most straightforward to obtain with a credit score of 810. As most students are still in the process of building credit, it's reasonable for student loans to have less rigorous credit prerequisites. Indeed, federal student loans typically don't require a minimum credit score. While private student loan lenders generally impose stricter requirements, a score of 810 should still allow you to secure the financing you need.

Strategies to Maintain a 810 Credit Score

When your score is already excellent, your primary focus should be maintaining your score. Here are a few tips to keep your credit score in the excellent range:

  • Consistently make payments on time: Continued timely payment of your bills and debts is crucial for maintaining your credit score.
  • Keep a low credit utilization ratio: Even if you have high credit limits, aim to use a small percentage of your available credit. A low credit utilization ratio can help maintain your excellent score.
  • Avoid opening too many new credit accounts at once: Each time you apply for new credit, it can lead to a hard inquiry on your credit report, which can temporarily lower your score. Even though you may qualify for new credit, consider the potential impact on your score before applying.
  • Regularly check your credit report: Regularly review your credit report for errors. If you find any, dispute them as soon as possible. Even small errors can have a significant impact on your credit score.

FAQs

Can I get approved for credit with an 810 credit score?

Absolutely! An 810 credit score is excellent and can unlock doors to various types of credit, including credit cards, auto loans, and personal loans. Even some of the most attractive mortgage rates could be within your reach. But remember, the specific terms and interest rates you receive depend on more than just your credit score. Lenders will also consider your income and how much debt you currently have.

Is an 810 a good credit score for buying a house?

You bet! An 810 is a top-notch score that could help you secure a mortgage for your dream home. But keep in mind, getting approved for a home loan isn't only about your credit score. Lenders will also look at things like your debt-to-income ratio, employment history, and how much money you're putting down.

How much can I borrow with an 810 credit score?

While an 810 gives you a strong standing to qualify for substantial loans, the exact amount you can borrow will also depend on your income, the type of loan, and each lender's specific rules. Even with a great score like yours, always remember the golden rule of borrowing - only take on what you can comfortably pay back.

What perks come with an 810 credit score?

With an 810, you're looking at a whole host of benefits. Think lower interest rates on loans, smooth-sailing approval for rentals, potentially better rates on car insurance, and access to the best credit cards with top-tier rewards.

Is an 810 credit score rare?

While an 810 credit score is certainly something to be proud of, it's not exactly a unicorn. There are plenty of people out there with scores in this top-tier range.

Why is it tricky to achieve an 810 credit score?

Getting your hands on an 810 is no walk in the park because it takes time, patience, and super responsible credit behavior. This means always paying your bills on time, keeping your credit utilization down, and managing a healthy mix of credit accounts.

Key Takeaways

  • With a 810, you're in the "Excellent" credit range according to FICO standards, which is an achievement only a select percentage of Americans manage.
  • Your payment history plays a vital role in your score calculation, but maintaining this high score also relies heavily on keeping credit utilization low and managing a diverse portfolio of credit.
  • Maintaining an "Excellent" score doesn't require as much "improvement" as it does "sustenance." This means keeping up with all payments, not maxing out your credit cards, and managing a mix of credit accounts responsibly.
  • An "Excellent" credit score like a 810 should allow you to get approved for most loans or credit cards with the most favorable terms, including the lowest interest rates.
  • Once you've reached this credit score range, the focus should be on maintenance and not letting your score slip. Remember, even small financial mishaps can cause larger dips when your score is this high.
View Article Sources
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  6. Top 10 Factors That Affect Your Credit Score — SuperMoney
  7. Do Medical Bills Appear On Your Credit Reports? — SuperMoney
  8. What is the Quickest Way to Fix Your Credit Score? — SuperMoney
  9. How to Illegally Change Your Credit Score (And Why You Shouldn't Try) — SuperMoney
  10. How Long Does it Take to Improve Your Credit Score? — SuperMoney
  11. How to Raise Your Credit Score by 100 Points — SuperMoney
  12. Do Personal Loans Build Credit? — SuperMoney
  13. What is Considered a Good Credit Score? 5 Major Factors That Determine Your Score — SuperMoney
  14. How Many Credit Bureaus Are There in the United States? If You Answered 3, Try Again — SuperMoney
  15. Best Credit Repair Companies — SuperMoney