In personal finance, three digits hold the power to unlock your dreams: your credit score. Whether you are looking to buy your first home, drive a new car, or simply qualify for a premium credit card, the gatekeeper is often a number between 300 and 900.
While a 750+ Credit Score is widely considered the ‘old standard’, reflecting strong financial discipline and reliability, getting there can feel like an uphill battle if you are new to credit or currently sitting in the low 600s.
At FixMyScore, a high credit score shouldn’t be a luxury reserved for a few; it is a financial asset you can build, protect, and leverage. Whether you have zero credit history or a history you’d like to improve, this guide is your roadmap to achieving and maintaining a 750+ credit score.
Why the “750+ Credit Score” Club Matters
Leading credit bureaus like CIBIL, Experian, CRIF High Mark, and Equifax categorize a score above 750 as ‘Very Good’ or ‘Excellent.’
When you hit this threshold, the financial world treats you differently. Banks and NBFCs view you as a low-risk borrower. This translates to:
- Faster Approvals: Lenders rely on algorithm-based underwriting. A high score breezes through automated systems.
- Lower Interest Rates: A 750+ score signals integrity. Lenders reward this by offering loans at significantly lower costs, saving you lakhs in interest over the lifespan of a home loan.
- Premium Access: You gain access to credit cards with higher limits, better rewards, and flexible terms.
If your score is currently below 650, you might find borrowing complicated, with lenders offering high interest rates or rejecting applications altogether. But don’t worry, your score is not set in stone.
Strategy 1: Master the Art of Payment Discipline
The foundation of a 750+ credit score is repayment integrity. According to financial experts, even one missed payment can sharply reduce your score.
For the New-to-Credit: If you don’t have a loan, start small. A secured credit card or a consumer durable loan (like financing a phone) is a great starting point. The key is consistency.
For the Credit Builder: Set up auto-debits for your minimum dues. Treat your credit score as a long-term asset. Ensure every EMI and credit card bill is cleared before the due date. This single habit accounts for the largest chunk of your credit score calculation.
Strategy 2: The 30% Utilization Rule
One of the most common reasons for a stagnant credit score is high credit utilization. This is the ratio of how much credit you are using versus your total limit.
Experts suggest keeping your utilization ratio under 30%. For example, if your credit card limit is ₹1 Lakh, try not to spend more than ₹30,000 in a billing cycle. High usage signals to lenders that you are “credit hungry” or financially stretched, which is a red flag.
Pro Tip: If you frequently hit your limit but pay it off in full, ask your bank to increase your credit limit. This instantly lowers your utilization ratio without you changing your spending habits, helping boost you toward that 750+ credit score.
Strategy 3: Monitor, Detect, and Fix
In the digital age, errors happen. A wrong entry on your credit report, such as a loan you never took or a payment marked “late” that was actually on time, can damage your score.
You must consistently monitor your credit report. This is where FixMyScore becomes your best ally. Our AI-driven platform helps you identify discrepancies and inaccuracies that are dragging your score down. Reporting these errors to bureaus is your right, and removing them can result in an immediate score jump.
Experts emphasise that users should treat their credit score as a key pillar of their financial health. Regular reviews ensure that your hard work isn’t being undermined by clerical errors.
Strategy 4: The “Mix” and The “Inquiries”
To reach the top bracket, you need to show you can handle different types of debt. A healthy “Credit Mix” includes a balance of:
- Unsecured Loans: Credit cards, personal loans.
- Secured Loans: Home loans, car loans.
However, a word of caution: Do not apply for multiple loans at once. Every time you apply for credit, a “hard inquiry” is made on your report. Too many inquiries in a short time make you look desperate for cash, which lowers your score. Apply only when necessary.
The Bottom Line: Patience and Persistence
Building a 750+ credit score doesn’t happen overnight, but it is entirely achievable with the right habits. It requires a shift in mindset, viewing credit not as “extra money,” but as a tool for building reputation.
Whether you are starting from zero or rebuilding from a financial setback, the path is clear:
- Pay on time, every time.
- Keep your debt low relative to your limits.
- Use FixMyScore to catch errors and optimize your profile.
Start your journey today. Your future financial self and your future 750+ credit score will thank you.
FAQs on How to Get a 750+ Credit Score
- What is considered an excellent or very good credit score?
Leading credit bureaus like CIBIL, Experian, CRIF High Mark, and Equifax generally categorize a score above 750 as ‘Very Good’ or ‘Excellent’. Hitting this threshold often qualifies you as a low-risk borrower for banks and NBFCs.
- How quickly can I increase my credit score to 750+?
Building a 750+ credit score is entirely achievable, but it does not happen overnight. It requires patience, persistence, and consistent habits, viewing credit as a tool for building reputation.
- What is the “30% utilization rule,” and why is it important for credit scores?
The 30% utilization rule suggests keeping your credit usage under 30% of your total available limit. High usage signals that you are “credit hungry” or financially stretched, which is a red flag to lenders. This ratio (credit utilization) is one of the most common reasons for a stagnant score.
- As a beginner, what is the best way to start building a credit history?
If you are new to credit, you should start small. A secured credit card or a consumer durable loan (like financing a phone) is a great starting point, and the key is consistency in payments.
- How does a “hard inquiry” affect my credit score?
Every time you apply for credit, a “hard inquiry” is made on your report. Too many inquiries in a short period make you look desperate for cash, which lowers your score. You should only apply when necessary.
- What is a healthy credit mix, and do I need different types of debt?
To reach the top bracket, you need a healthy “Credit Mix”. This mix includes a balance of unsecured loans (like credit cards, personal loans) and secured loans (like home loans, car loans).
- Can errors on my credit report hurt my score?
Yes, a wrong entry, such as a loan you never took or a payment marked “late” that was actually on time, can damage your score. You must consistently monitor your report because removing these inaccuracies can result in an immediate score jump.
