750 Credit Score: What It Means and How to Keep It High

If you’ve checked your credit report and saw a 750, you’re probably feeling good. In the UK a score in the 750 range sits comfortably in the “good” to “very good” bucket. Lenders see it as a sign you manage debt responsibly, which can mean lower interest rates and smoother approval for loans, credit cards, or a mortgage.

Why a 750 Score Matters

A 750 isn’t just a number – it’s a ticket to cheaper finance. Credit cards often offer better rewards or higher limits when your score is strong. Mortgage providers may give you a better rate, saving you thousands over the life of the loan. Even landlords sometimes run credit checks, and a high score can make you a more attractive tenant.

But the benefit stops at lower costs. A solid score also protects you from being denied outright. When lenders see a 750, they’re less likely to ask for a large deposit or extra security. That means you can access the credit you need faster and with less hassle.

Tips to Protect and Boost Your Score

1. Pay on time, every time. Payment history is the biggest factor in most scoring models. Set up direct debits or calendar reminders so you never miss a due date.

2. Keep credit utilization low. Aim to use no more than 30% of your total credit limit. If you have a £5,000 limit, try to keep the balance under £1,500. Paying off the card before the statement date can also help.

3. Don’t close old accounts. Length of credit history matters. Even if you don’t use an old card, keeping it open adds to the average age of your accounts and can boost the score.

4. Check your report for errors. Mistakes happen. Request a free copy of your credit report from major agencies and dispute any incorrect entries. Fixing errors can raise your score quickly.

5. Limit new applications. Every hard inquiry can shave a few points off your score. Apply for new credit only when you really need it, and space out applications.

6. Mix credit types wisely. Having a blend of credit cards, a personal loan, or a mortgage can show lenders you can handle different credit products. Just don’t take on debt you can’t afford.

7. Use a credit‑building tool. If you have a low or thin file, a credit‑builder credit card or a small secured loan can add positive data. Use it responsibly and pay it off each month.

8. Stay aware of changes. Your score can dip after a big purchase or a missed payment. Monitor it regularly so you know when something shifts and can act fast.

Following these steps won’t guarantee a perfect score overnight, but they’ll keep your 750 solid and give you room to grow. Remember, credit health is a marathon, not a sprint. Small, consistent habits add up to big savings over time.

So, what’s your next move? Check your latest credit report, spot any quick wins, and start applying one of the tips above. A 750 score already opens doors – keeping it strong will keep those doors wide open for the years ahead.