789 Credit Score: Is It Good or Bad?

Introduction

A 789 credit score is generally considered very good. On the standard 300 to 850 scale, both Experian and Equifax place scores from 740 to 799 in the Very Good range, which is exactly where 789 falls.

Is 789 a Good Credit Score?

Yes, 789 is a strong credit score. It is well above the “good” range and sits just below the 800+ tier that Equifax labels as excellent. That means 789 is not quite top-tier, but it is very close.

What a 789 Credit Score Means

A score like 789 usually puts you in a favorable position with lenders. The CFPB says higher credit scores generally make it easier to qualify for loans and can lead to lower interest rates or better terms. Experian also says borrowers in the Very Good range typically qualify for lenders’ better interest rates and product offers.

Is 789 Considered Excellent?

Under common FICO-style ranges, 789 is usually “Very Good,” not Excellent. The usual cutoff for excellent starts at 800, so 789 is only a small step below that top category.

Why the Exact Number Can Vary

It is also important to know that you do not have just one permanent credit score. The CFPB explains that scores can vary depending on the scoring model, the credit bureau, the loan type, and even the day the score is calculated.

Conclusion

A 789 credit score is very good. It is strong enough to help with approvals and better borrowing terms, and it is very close to the excellent range.