A 715 credit score is a good credit score, and it indicates that you are responsible managing your financial obligations. The good-credit range includes scores of 700 to 749, and people with scores in this range are in a good position to qualify for good mortgages, auto loans and credit cards, among other things.
Key Things to Know About a 715 Credit Score
- Credit Rating: 715 is a good credit score.
- Borrowing Options: Most borrowing options are available, and the terms are likely to be attractive. For example, you might be able to qualify for the best credit cards and some of the best personal loans.
- Best Way to Improve a 715 Credit Score: Reduce the credit utilization on your credit card accounts and continue paying bills on time moving forward.
Below, you can learn all about what you can and cannot do with a 715 credit score, the types of people who have 715 credit scores and the steps you can take to put more points on the board. Step one, of course, should be to check your latest credit score and get your personalized credit analysis from WalletHub.
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How 715 Compares to the Rest of the Credit Score Range
A 715 credit score is good and puts you ahead of the curve compared to most other credit scores, as the table below shows.
| Credit Score Range | Credit Category |
| 800 – 850 | Perfect |
| 750 – 799 | Excellent |
| 700 – 749 | Good |
| 640 – 699 | Fair |
| 571 – 639 | Poor |
| 500 – 570 | Very Poor |
| 400 – 499 | Bad |
| 300 – 399 | Very Bad |
You can learn more by checking out WalletHub’s guide on the credit score range. Since 715 is in the good credit tier, there are many credit offers you most likely will be able to qualify for, as you can see below.
What Does a 715 Credit Score Get You?
| Type of Credit | Do You Qualify? |
|---|---|
| Home Loan | YES |
| Personal Loan | YES |
| Auto Loan | YES |
| No Annual Fee Credit Card | YES |
| Credit Card with Rewards | YES |
| 0% Intro APR Credit Card | MAYBE |
Not only do you have a good chance of qualifying for most financial products, but you're well-positioned to get great terms when you borrow and attractive perks from credit cards.
This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer. WalletHub independently collected information for some of the cards on this page.
Credit Cards with a 715 Credit Score
The best credit cards typically require good credit or better for approval, which means someone with a 715 credit score has a pretty good chance of qualifying. The trick is finding the right card for your needs.
Best Credit Cards for a 715 Credit Score
You should compare credit cards with rewards if you plan to use your card for everyday purchases that you can pay off by the end of the month. If you’re planning big-ticket purchases or a balance transfer that will take months to pay down, compare credit cards with 0% introductory APR offers.
Car Loans with a 715 Credit Score
You should be able to get approved for a decent car loan with a 715 credit score, considering that more than 50% of all auto loans go to people with credit scores below 740. Still, it’s important to compare your auto loan options carefully if you want to get a low APR.
Mortgages with a 715 Credit Score
More than 40% of first mortgages go to borrowers with credit scores below 740, so you should be able to finance your home purchase without much issue.
Student Loans with a 715 Credit Score
Student loans are some of the easiest loans to get with a 715 credit score, seeing as more than 80% of them are given to applicants with a credit score below 740. A new degree may also make it easier to repay the loan if it leads to more income.
Note: Borrower percentages above reflect 2025 Equifax data.
Who Has a 715 Credit Score?
FICO Scoring Model
| Credit Score | Percentage of Americans |
|---|---|
| 800 – 850 | 23.0% |
| 740 – 799 | 27.5% |
| 670 – 739 | 20.4% |
| 580 – 669 | 14.9% |
| 300 – 579 | 14.2% |
VantageScore Scoring Model
| Credit Score | Percentage of Americans |
|---|---|
| 781 – 850 | 30.7% |
| 661 – 780 | 32.7% |
| 601 – 660 | 17.8% |
| 300 – 600 | 18.8% |
*Source: Experian
FICO and VantageScore are the two main scoring models. Regardless of what scoring model you use, a 715 is still consider a good score. However, a lot of people don’t know where they stand. For example, more than 1 in 4 consumers have no idea what their credit score is, according to Experian. If you’re one of them, you can change that by checking your credit score on WalletHub.
700+ Credit Scores by Income
People who make at least $50,000 per year are significantly more likely to have a credit score of at least 700. And people who pull in $75,000 to $99,999 per year are in the sweet spot for a score that begins with a 7 or an 8. But note that it is possible to get into the 700-plus club if you earn less or wind up with a way lower score even if you make a lot more. It’s all about spending within your means.
700+ Credit Scores by Age
Your credit score takes into account the average age of your credit cards and loans, so it makes sense that high credit scores skew older. But the fact that nearly one-quarter of people aged 18 to 24 have credit scores of 700-plus should give newcomers plenty of hope.
How to Improve a 715 Credit Score
Dispute Inaccurate Entries on Your Credit Report
If you can prove that negative information on your credit report is inaccurate (or the source of the information doesn’t have the necessary documentation), you can dispute the record to have it corrected or removed.
Pay Off Collection Accounts
The most recent versions of the VantageScore and FICO models don’t consider paid collection accounts. So, once you bring a collection account’s balance down to zero, it stops affecting your credit score.
Reduce Your Credit Utilization
It’s best to use less than 30% of the available credit on your credit card accounts each month. You can reduce your credit utilization by spending less, making bigger payments or paying your bill multiple times per month.
Pay All Your Bills on Time
Payment history is the most important ingredient in your credit score. Paying on time every month establishes a track record of responsibility as a borrower, while a single late payment on your credit report can set back credit improvement efforts significantly.
Check Out Your Personalized Credit Analysis on WalletHub
If you want to know exactly how to improve your credit score, look no further than the Credit Analysis section of your free WalletHub account. You’ll find grades for each component of your credit score, along with an explanation of where you stand and tips to improve. Getting your credit score to 700 is kind of like making the honor roll in school. You need mainly As and Bs to pull it off.
For example, here’s a common credit scorecard for someone with a 750 credit score:
- Payment History: A = 100% on-time payments
- Credit Utilization:A = 1% - 10%
- Debt Load: A = <0.28 debt-to-income ratio
- Account Age: B = Average account is less than 9 years old
- Account Diversity: A = 4+ account types or 21+ total accounts
- Hard Credit Inquiries: A = Fewer than 3 in past 24 months
- Collections Accounts & Public Records: A = 0 collections accounts and public records
You don’t need to match this scorecard exactly to build a credit score of 750 or even higher. Different profiles can get the job done, as it’s the complete picture that matters.
The credit score shown on WalletHub is based on your TransUnion credit report as well as the VantageScore 3.0 model, and it may differ from what your lender or insurer uses. WalletHub’s assessment of what constitutes limited, bad, fair, good, and excellent credit may also differ from your lender’s assessment. In addition to your credit score, lenders may consider other factors, such as your income and your debt.
