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782 Credit score: What You Need to Know in 2025
July 1, 2025
TL;DR
A 782 credit score is an excellent rating that positions you to qualify for some of the most competitive interest rates and terms on loans and credit products. This score falls comfortably within the “Very Good” range on the FICO scoring model, signaling to lenders that you are a highly dependable borrower.
What Does a 782 Credit Score Mean?
A credit score of 782 places you firmly in the "Very Good" range of FICO scores, which spans from 740 to 799. This score is a strong indicator to lenders that you have a proven track record of managing credit responsibly. It reflects a history of on-time payments, low credit utilization, and a healthy mix of credit accounts, positioning you as a low-risk borrower in the eyes of financial institutions.
Financially, this score unlocks some of the most competitive interest rates and terms for mortgages, auto loans, and credit cards. You'll likely find approvals easier to come by and have access to premium rewards programs. While a 782 score is already excellent, maintaining this strong credit profile is key to preserving these advantages and continuing to build a secure financial future.
Who Has a 782 Credit Score?
- Generation Z (ages 18-26): The youngest adult generation has an average FICO score of 680.
- Millennials (ages 27-42): This group holds an average FICO score of 690.
- Generation X (ages 43-58): On average, Gen X has a FICO score of 709.
- Baby Boomers (ages 59-77): This generation's average FICO score is 745.
- Silent Generation (ages 78+): The oldest generation boasts the highest average FICO score at 760.
Credit Cards With a 782 Credit Score
A credit score of 782 places you firmly in the excellent credit tier, signaling to lenders that you are a highly responsible borrower. This positions you as a prime candidate for some of the most sought-after credit cards on the market. You can generally expect to be approved for cards offering premium rewards, attractive sign-up bonuses, and the lowest available interest rates.
Kudos can help you find the right card by using its AI-powered tools, like the Explore Tool, to deliver personalized recommendations based on your unique preferences and spending habits. This data-driven process ensures you're matched with options that fit your financial situation, helping you understand potential credit score impacts and whether a card's annual fee is worthwhile for you.
Auto Loans and a 782 Credit Score
A 782 credit score places you in the top tier of borrowers, often referred to as super-prime. This excellent score means you will likely qualify for the lowest interest rates and most favorable terms lenders have to offer.
To see how your score compares, here are the average 2025 rates across all credit tiers for new and used vehicles:
- Super-prime (781-850): New Car: 5.25% | Used Car: 7.13%
- Prime (661-780): New Car: 6.87% | Used Car: 9.36%
- Non-prime (601-660): New Car: 9.83% | Used Car: 13.92%
- Subprime (501-600): New Car: 13.18% | Used Car: 18.86%
- Deep subprime (300-500): New Car: 15.77% | Used Car: 21.55%
Mortgages at a 782 Credit Score
A 782 credit score is considered excellent and will qualify you for virtually any type of home loan. Your score surpasses the minimum requirements for conventional, jumbo, FHA, VA, and USDA mortgages. This positions you as a top-tier applicant, making the approval process smoother and giving you access to a wider range of lending products.
This high score directly translates to significant financial benefits. You can expect to receive the lowest available interest rates, potentially saving you tens of thousands of dollars over the loan's lifetime. Additionally, you may qualify for lower Private Mortgage Insurance (PMI) premiums, further reducing your monthly payments.
What's in a Credit Score?
Understanding your credit score can feel like trying to solve a complex puzzle, as it's a blend of several key financial habits. The most common factors that determine your score include:
- Your payment history tracks whether you have paid past credit accounts on time.
- Credit utilization is the percentage of your available credit that you are currently using.
- The length of your credit history considers the age of your oldest 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, and loans.
- New credit inquiries and recently opened accounts can also temporarily impact your score.
How to Improve Your 782 Credit Score
No matter how high your credit score is, it's always possible to improve it through consistent, positive financial behavior. A 782 FICO® score is already considered very good, but taking a few strategic steps can help push it into the excellent range.
- Monitor your credit reports. Regularly checking your reports from the major bureaus helps you spot and dispute inaccuracies or signs of identity theft that could jeopardize your high score. This defensive measure is crucial for protecting the excellent credit you've already built.
- Lower your credit utilization. This ratio is the second most important factor in your score, so keeping it well below 30% is key. For a 782 score, optimizing utilization can provide the extra push needed to cross into the 800+ excellent tier.
- Diversify your credit mix. Lenders like to see that you can responsibly manage different types of credit, such as both revolving credit cards and installment loans. Adding a new type of credit can demonstrate your financial versatility and potentially lift your score.
- Limit hard inquiries. While you shouldn't be afraid to apply for new credit, each hard inquiry can cause a small, temporary dip in your score. Being selective with applications helps protect your 782 score from unnecessary dings.
The Kudos browser extension can act as a financial companion, helping you manage your cards and maximize rewards while you build your credit.
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