How to Get a 750 Credit Score: Proven Strategies That Work

A 750 credit score opens doors. Best mortgage rates. Premium credit cards. Lower insurance premiums. Approval for almost any credit product.

It's not an arbitrary goal—it's the threshold where you consistently qualify for the best terms lenders offer. Below 750, you're still "good." At 750 and above, you're "excellent."

Here's exactly how to reach 750 and stay there.

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What a 750 Score Gets You

Interest Rate Impact

The difference between 700 and 750 on a mortgage:

That's $54,000+ saved on a single loan. Similar savings apply to auto loans, credit cards, and other credit products.

Credit Card Access

At 750+:

• Approval for premium rewards cards
• Higher credit limits
• Better sign-up bonus offers
• 0% APR offers available

Beyond Lending

750+ impacts:

• Insurance premiums (lower)
• Rental applications (approved)
• Employment screening (favorable)
• Utility deposits (waived)

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The Components of 750

FICO Score Breakdown

What 750 Actually Requires

Payment history: Zero or near-zero late payments in recent years

Utilization: Consistently under 10% reported

History length: At least one card 5+ years old

Credit mix: Both revolving (cards) and installment (loans) history

New credit: No more than 2-3 inquiries in past year

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From Current Score to 750

If You're at 700-749

Gap to close: 1-50 points

Primary focus:

1. Lower utilization to under 10%
2. Keep perfect payment history
3. Wait for score to mature

Timeline: 2-6 months with right actions

If You're at 650-699

Gap to close: 51-100 points

Primary focus:

1. Address any derogatory marks
2. Drop utilization significantly
3. Add positive credit history
4. Stop new applications

Timeline: 6-12 months typical

If You're at 600-649

Gap to close: 101-150 points

Primary focus:

1. Fix major negatives (collections, charge-offs)
2. Rebuild with secured cards
3. Become authorized user on old account
4. Patient, consistent improvement

Timeline: 12-24 months realistic

If You're Below 600

Gap to close: 150+ points

Primary focus:

1. Address all collection accounts
2. Establish new positive history
3. Consider credit repair help
4. Long-term consistency required

Timeline: 24+ months for major improvement

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The 750 Score Playbook

Step 1: Audit Your Current Situation

Pull your reports:

• AnnualCreditReport.com (free weekly)
• Get reports from all three bureaus
• Review each line item

Identify:

• Late payments in history
• High utilization accounts
• Collection accounts
• Errors or inaccuracies
• Average age of accounts

Step 2: Fix Negatives First

Late payments:

• Recent late payments hurt most
• Goodwill letters sometimes work for one-time issues
• Old late payments (5+ years) matter less

Collection accounts:

• Pay-for-delete negotiations
• Paid collections still show but hurt less
• Dispute if inaccurate

Charge-offs:

• Negotiate settlement if possible
• Dispute if inaccurate
• Wait for aging if can't resolve

Step 3: Optimize Utilization

The fastest score lever

To reach 750, get utilization under 10%, ideally under 5%.

Actions:

1. Pay down credit card balances
2. Request credit limit increases
3. Open new cards (if beneficial overall)
4. Time payments to report low balances

The AZEO Method:

• All Zero Except One
• Pay all cards to $0 before statement
• Let one card report small balance (1-5%)
• Shows activity without high utilization

Step 4: Build Positive History

If you have few accounts:

• Add a secured credit card
• Become authorized user on family member's old account
• Consider credit-builder loan

If you have adequate accounts:

• Keep all accounts open
• Use each account occasionally
• Maintain perfect payments

Step 5: Manage New Credit

For 750 goals:

• Limit applications to 1-2 per year
• Space applications 6+ months apart
• Only apply when strategically necessary

Exception: Rate shopping for mortgage/auto (multiple inquiries within 14-45 days count as one)

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Timeline to 750

Fast Track (2-4 months)

Possible if:

• Already 720+ score
• Only issue is high utilization
• No recent negatives

Actions:

• Pay utilization to under 10%
• Wait for new balances to report
• Score updates within 30-45 days

Standard Track (6-12 months)

For most people starting at 680-720:

Month 1-2:

• Audit reports
• Dispute errors
• Begin paying down balances

Month 3-4:

• Continue lowering utilization
• Maintain perfect payments
• Add authorized user if helpful

Month 5-6:

• Utilization optimized
• Disputes resolved
• Score approaching 750

Long Track (12-24 months)

For those with significant negatives:

Year 1:

• Address collection accounts
• Establish new positive tradelines
• Consistent on-time payments
• Gradually lower utilization

Year 2:

• Continue perfect payments
• Negatives aging
• Score approaching 750

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Common Mistakes Blocking 750

Mistake 1: Utilization Spikes

Letting statement balances get high, even if you pay in full.

Fix: Pay before statement date to report low balance.

Mistake 2: Closing Old Cards

Reduces average age and total credit limit.

Fix: Keep old cards open, use occasionally.

Mistake 3: Rate Shopping Too Long

Inquiries outside the rate-shopping window count separately.

Fix: Complete rate shopping within 14 days.

Mistake 4: Ignoring Small Negatives

Small collection accounts still impact score.

Fix: Address all negatives, not just large ones.

Mistake 5: Impatience

Applying for too much credit too fast.

Fix: Take the slow, steady approach.

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Maintaining 750+

Monthly Habits

Always:

• Pay all bills on time (autopay helps)
• Keep utilization under 10%
• Check credit reports for errors

Never:

• Miss a payment
• Max out cards
• Close old accounts

Quarterly Actions

• Review all three credit reports
• Dispute any errors found
• Request credit limit increases
• Assess credit profile health

Annual Review

• Evaluate credit card portfolio
• Consider churning strategy (carefully)
• Plan for major credit applications
• Optimize credit mix if needed

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750 Score by Situation

New to Credit

Path to 750:

1. Get secured credit card
2. Add as authorized user to old account
3. Use card monthly, pay in full
4. After 6-12 months, graduate to unsecured card
5. Continue building (2-3 years to 750)

Rebuilding After Problems

Path to 750:

1. Address all collection accounts
2. Get secured card or credit-builder loan
3. Become authorized user
4. Perfect payments for 12+ months
5. Gradually add more positive history
6. Wait for negatives to age (2-5 years for 750)

Already Good, Want Better

Path to 750:

1. Drop utilization to under 10%
2. Stop unnecessary applications
3. Keep accounts open and active
4. Maintain perfect payments
5. Wait for score to mature (3-6 months)

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Tools for Reaching 750

Free Tools

Credit monitoring:

• Credit Karma (Vantage scores)
• Experian (free FICO Score)
• Discover (free FICO for anyone)
• Capital One CreditWise

Credit reports:

• AnnualCreditReport.com (free weekly access)

Paid Tools

More detailed monitoring:

• myFICO.com (actual FICO scores from all bureaus)
• Experian Premium
• Identity protection services

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Your 750 Action Plan

This Week

• Pull credit reports from all three bureaus
• Identify current score (FICO if possible)
• List all negative items
• Calculate current utilization

This Month

• Dispute any errors
• Begin paying down high-balance cards
• Set up autopay for all accounts
• Research authorized user options if needed

Next 90 Days

• Achieve under 10% utilization
• Maintain perfect payment record
• Check score monthly for progress
• Avoid new credit applications

Ongoing

• Monthly credit check
• Maintain low utilization
• Perfect payment history
• Patience and consistency

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Next Steps

A 750 credit score isn't about tricks—it's about fundamentals executed consistently. Low utilization. Perfect payments. Aged accounts. Limited inquiries.

The gap between where you are and 750 is bridged by specific, measurable actions. Know your score. Fix the issues. Execute the fundamentals. Give it time.

750 is achievable for almost anyone willing to do the work.

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Need help reaching 750? Freedom Consulting provides personalized credit optimization strategies. Book a free consultation to create your path to 750.

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Related: Personal Credit Score Guide | Credit Utilization Guide

Disclaimer: Individual results vary. Credit scores depend on many factors. Timelines are estimates based on typical scenarios.

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Continue Learning

This article is part of our Personal Credit Score: The Ultimate Guide to 800+ Credit guide series.

Related articles in this series:

• How to Improve Your Credit Score Fast: 30-Day Action Plan
• The Authorized User Strategy: Complete Guide to Boosting Your Score
• Best Secured Credit Cards 2025: Cards That Graduate to Unsecured