On a scale of 300-850, a “good” credit score falls somewhere in the mid-600s to mid-700s. Learn how to get a good score and what opportunities it unlocks.
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A credit score of 728 is considered a good credit score by the major credit bureaus. While it’s not an excellent credit score a score of 728 puts you in a strong position to qualify for competitive interest rates from lenders.
What Does a 728 Credit Score Mean?
The three major credit bureaus in the United States (Experian, Equifax, and TransUnion) use credit score ranges from 300 to 850. This scale helps lenders assess an individual’s creditworthiness quickly.
Scores from 700 to 749 are generally classified as good credit, with 728 falling right in the middle of that range About 21% of consumers have credit scores in the 700-749 bracket
Here’s a quick rundown of the major credit score categories:
- Excellent credit: 750-850
- Good credit: 700-749
- Fair credit: 650-699
- Poor credit: 600-649
- Bad credit: 300-599
So with a 728 score, you’re in the second best credit category. This signals to lenders that you represent a relatively low credit risk compared to consumers with lower scores.
What Can You Get with a 728 Credit Score?
A credit score of 728 unlocks access to competitive interest rates from lenders. While you may not get the rock bottom interest rates reserved for those with excellent 750+ scores, a 728 score means you’ll still qualify for most loans and credit cards.
Here are some examples of what you can likely get approved for with a 728 credit score:
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Mortgages – A 728 score makes you eligible for most conventional mortgages from private lenders. You may qualify for low down payment mortgage programs like FHA loans as well.
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Auto Loans – You should be able to qualify for competitive interest rates on auto loans from most lenders A 728 score is well above the average for approved auto loans,
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Credit Cards – A 728 score gives you a high approval odds for most rewards credit cards, including travel and cash back cards. You may also qualify for 0% intro APR credit card offers.
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Personal Loans – Most online lenders will approve you for a personal loan with a 728 credit score. You’ll be able to get competitive rates for things like debt consolidation or major purchases.
So while a 728 credit score isn’t high enough to get the absolute best terms, it unlocks access to mainstream credit at affordable rates.
Is a 728 Credit Score Bad?
No, a credit score of 728 is not a bad credit score by any definition. It falls squarely in the good credit range.
Here’s how Experian categorizes credit scores:
- Poor: 580-669
- Fair: 670-739
- Good: 740-799
- Very Good: 800-850
So with a score of 728, you’re in the “Good” credit tier. Other credit scoring models have similar score ranges for what’s considered good credit.
A bad credit score is generally one that falls below 600. This signals to lenders that you represent a high credit risk. You’ll have limited options and pay high interest rates if approved at all.
But with a 728 score, you have access to mainstream credit and will pay competitive rates, making it definitively not a bad credit score.
How to Improve Your 728 Credit Score
While a 728 credit score gives you solid borrowing options, you may want to improve it even more to get access to the lowest rates. Here are some tips for boosting your 728 score:
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Lower credit utilization – Keep balances low on credit cards and other revolving credit. Aim for less than 30%.
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Pay bills on time – Payment history is the biggest factor in your score. Pay all bills by the due date.
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Limit new credit applications – Too many new accounts can lower your score temporarily. Only apply for what you need.
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Wait for score to age – Longer credit history helps your score. Avoid closing old accounts.
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Monitor credit reports – Dispute any errors with the credit bureaus to maximize your score.
With responsible credit habits over time, you can push your 728 credit score into the very good or excellent ranges. That opens the door to the most competitive lending offers.
The Bottom Line
A 728 credit score is considered good by credit industry standards. It gives you access to affordable loan and credit card offers from most mainstream lenders. Excellent borrowing terms are reserved for 750+ scores, but a 728 score still puts you in a strong position. With prudent financial habits, you can improve your 728 score over time and unlock even better credit opportunities.
Keep credit utilization below 30%
Keeping your credit card balances well below your credit limits is a great financial habit. You should aim to use 30% or less of your available credit.
High utilization dings your score, but the damage will fade when youre able to reduce your balances and the lower utilization shows up on your credit reports. You also may be able to lower utilization by getting a higher credit limit or becoming an authorized user on a lightly used card with a large limit.
Pay bills on time
Payment history has the largest impact of all the factors that make up your score. A missed or late payment can do tremendous damage to a credit score and it can stay on your credit report for up to seven years. Luckily, the effect on your score will dwindle over time.
Is 728 A Good Credit Score? – CreditGuide360.com
FAQ
Can I buy a house with a 728 credit score?
How bad is a 728 credit score?
Scores in the high 700s and above are generally considered excellent, while scores in the low 600s to mid-500s are considered fair.Apr 17, 2025
Can I buy a car with a 728 credit score?
There is no minimum credit score required to buy a car, but most lenders have minimum requirements for financing. Most borrowers need a FICO score of at least 661 to get a competitive rate on an auto loan.
How rare is an 800 credit score?
An 800 credit score is relatively rare, with approximately 23% of Americans achieving this “exceptional” FICO score range (800-850), according to The Motley Fool.
Is 728 a good credit score?
A 728 credit score is a good credit score. The good-credit range includes scores of 700 to 749, while an excellent credit score is 750 to 850, and people with scores this high are in a good position to qualify for the best possible mortgages, auto loans and credit cards, among other things. Credit Rating: 728 is a good credit score.
Can a 728 credit score qualify for an auto loan?
Absolutely. Your 728 credit score will qualify you for an auto loan, assuming your income justifies it. However, it’s important to realize that your credit score can make a big difference in the interest rate you get. And this is especially true in auto lending.
What if my FICO score is less than 728?
53% of consumers have FICO ® Scores lower than 728. The best way to determine how to improve your credit score is to check your FICO ® Score. Along with your score, you’ll receive information about ways you can boost your score, based on specific information in your credit file. You’ll find some good general score-improvement tips here.
Is a CIBIL score of 728 good?
While a CIBIL score of 728 is generally considered good, its exact categorisation may vary. Below is a comparison: A CIBIL score of 728 means lenders regard you as a low-risk borrower. This could result in easier approvals and favourable terms, though achieving a higher score may unlock premium financial benefits.
Is 690 a good credit score?
Your 690 credit score puts you solidly in the mainstream of American consumer credit profiles, but some additional time and effort can raise your score into the Very Good range (740-799) or even the Exceptional range (800-850). To keep up your progress and avoid losing ground, steer clear of behaviors that can lower your credit score.