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720 Credit Score: What It Means and How to Improve

What a 720 credit score gets you: mortgage, auto and credit card approval odds, the rates lenders quote at this level, and the fastest way up.

What a 720 Credit Score Gets You

A 720 score affects the mortgage rates, auto loans, credit cards, and rental approvals available to you. The guides below break down exactly what you qualify for and how to move up.

How to Improve a 720 Score

  • Dispute inaccurate negative items on all three bureaus.
  • Lower credit card utilization below 30%, ideally under 10%.
  • Keep every account current, payment history is 35% of your FICO score.
  • Avoid new hard inquiries while you build.

More Credit Score Guides