Who Has a 752 Credit Score?

While age isn't a direct factor in credit scoring, scores tend to rise over time as people build longer credit histories. Here's how average FICO scores broke down by generation in 2023:

• Generation Z (ages 18-26): 680
• Millennials (ages 27-42): 690
• Generation X (ages 43-58): 709
• Baby Boomers (ages 59-77): 745
• Silent Generation (ages 78+): 760

Credit Cards With a 752 Credit Score

A credit score of 752 is a strong score that falls squarely into the "very good" range. This positions you as a highly attractive candidate to most credit card issuers, significantly boosting your approval odds for a wide variety of cards. You'll likely have access to premium options, including those with lucrative rewards programs, lower interest rates, and valuable perks not typically available to applicants with lower scores.

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Kudos simplifies the search with its Explore Tool and the AI-powered Dream Wallet, which analyze your preferences and spending habits to provide personalized recommendations. These tools match you with suitable cards for your financial situation, whether you're seeking a premium rewards card or one designed for building credit.

Auto Loans and a 752 Credit Score

A 752 credit score is considered very good, placing you in the prime borrower category and making you a strong candidate for an auto loan. While not the highest tier, this score generally unlocks competitive interest rates from lenders, leading to more affordable financing options.

• Super-prime (781-850): 5.25% for new cars and 7.13% for used cars, according to Q2 2025 data.
• Prime (661-780): 6.87% for new cars and 9.36% for used cars.
• Non-prime (601-660): 9.83% for new cars and 13.92% for used cars.
• Subprime (501-600): 13.18% for new cars and 18.86% for used cars.
• Deep subprime (300-500): 15.77% for new cars and 21.55% for used cars.

Mortgages at a 752 Credit Score

With a 752 credit score, you are in an excellent position to secure a home loan. This score is well above the minimum credit requirements for all major mortgage types, including conventional, jumbo, FHA, VA, and USDA loans. Lenders view you as a low-risk borrower, which not only makes approval highly likely but also gives you access to a much wider range of loan products than someone with a lower score.

Your strong credit profile will have a highly favorable impact on your loan terms. You can expect to qualify for interest rates very close to the best available, potentially saving you tens of thousands of dollars over the loan's lifetime. For conventional loans, a 752 score can also lead to lower private mortgage insurance (PMI) premiums, further reducing your monthly payment and giving you more negotiating power with lenders.

What's in a Credit Score?

Figuring out what goes into your credit score can feel like trying to solve a complex puzzle, but it generally boils down to a handful of key factors.

• Your payment history tracks whether you've paid past credit accounts on time.

• Credit utilization is the percentage of your available credit that you're currently using.

• The length of your credit history considers the age of your oldest account, newest account, and the average age of all your accounts.

• Credit mix refers to the variety of credit products you have, such as credit cards, retail accounts, installment loans, and mortgages.

• New credit accounts for how many new accounts you've recently opened and the number of hard inquiries on your report.

How to Improve Your 752 Credit Score

No matter your current credit score, there's always room for improvement. With consistent effort and the right strategy, you can use proven methods to boost your creditworthiness and achieve an even healthier financial profile.

• Monitor your credit reports. Regularly reviewing your reports helps you catch and dispute any inaccuracies or signs of fraud that could unexpectedly drop your score. This vigilance is key to protecting your very good standing and making incremental progress.
• Keep your credit utilization low. While you're already in a good range, lowering your utilization ratio even further below the recommended 30% can provide a significant boost. This shows lenders you use credit responsibly, which can help push your score from 'very good' into the 'excellent' tier.
• Automate your bill payments. Payment history is the single most important factor, and even one late payment can damage a high score. Setting up automatic payments ensures you never miss a due date, protecting the positive history you've already built.
• Limit new credit applications. Each hard inquiry can cause a small, temporary dip in your score, so it's crucial to be strategic about applying for new credit. Avoiding unnecessary applications prevents these minor setbacks and helps maintain the stability of your high score.

Kudos can be your financial companion, helping you manage your cards and monitor your score as you work toward financial excellence.