Who Has a 793 Credit Score?

While a 793 credit score is well above the national average, scores can vary significantly across different demographics, particularly age. There is a clear trend of credit scores improving as people get older, largely due to factors like a longer credit history and more time to establish a record of on-time payments. According to Experian data from 2023, here is the breakdown of average FICO scores by generation:

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

Credit Cards With a 793 Credit Score

With a 793 credit score, you're firmly in the excellent credit range, which positions you as a highly desirable applicant to lenders. This means you'll likely have your pick of the litter when it comes to credit cards, including premium travel and rewards cards. You can expect to qualify for the best interest rates, most generous sign-up bonuses, and highest credit limits available on the market.

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Kudos simplifies the search with its Explore Tool, which uses a quiz to understand your financial preferences, like whether you're seeking low interest rates or maximizing rewards. The tool then personalizes recommendations from its database of nearly 3,000 cards, helping you find an option perfectly suited to your financial situation and credit profile.

Auto Loans and a 793 Credit Score

A 793 credit score is considered excellent, placing you in the super-prime category of borrowers. This means you'll likely qualify for the lowest available interest rates and have a high chance of approval when applying for an auto loan.

According to a 2025 analysis of average auto loan rates, here is how interest breaks down by credit score:

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

Mortgages at a 793 Credit Score

With a 793 credit score, you're in an excellent position to buy a home. This score places you in the top tier of applicants, qualifying you for virtually any type of mortgage, including conventional, jumbo, FHA, VA, and USDA loans. Lenders will view you as a very low-risk borrower, which significantly increases your chances of a smooth and swift approval process.

Beyond easy qualification, your score unlocks the best possible loan terms. You'll have access to the lowest available interest rates and reduced private mortgage insurance (PMI) premiums. According to an analysis of mortgage requirements, this strong credit profile also gives you negotiating power for better perks from 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's primarily based on a handful of key financial habits. The most common factors 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.
• Having a healthy mix of credit types, such as credit cards and installment loans, can positively impact your score.
• Recent credit inquiries and newly opened accounts can temporarily lower your score.

How to Improve Your 793 Credit Score

Even with a strong 793 credit score, there's always room for improvement, and consistent effort can push you into the excellent tier. Achieving a higher score is possible with proven methods that unlock the best financial products available.

• Monitor your credit reports regularly. This helps you spot and dispute any inaccuracies that could be holding your score back from its peak potential and protects your excellent financial standing from identity theft.
• Reduce your credit utilization ratio. While your utilization is likely low, pushing it even closer to zero can provide that extra boost into the 800+ range, solidifying your status as a low-risk borrower.
• Diversify your credit mix. Lenders like to see that you can responsibly manage different types of credit, and adding a new type of account can demonstrate this capability if it aligns with your financial goals.
• Limit new hard inquiries. Although a 793 score can absorb the small dip from a hard inquiry, being selective about new credit applications prevents unnecessary dings and maintains your score's stability.

The Kudos platform can help you manage your cards and monitor your score to reach your financial goals.