Overview of an 804 credit score
Quick insights
- Achieving an 804 credit score usually takes diligence, consistency, time and healthy financial habits, such as maintaining a low credit utilization ratio.
- An 804 credit score falls within the “excellent” range in the FICO® scoring model and may be helpful during credit applications such as increasing the possibility of receiving lower annual percentage rates (APRs).
- It’s helpful to maintain a healthy credit score and you can do this in several ways, such as by monitoring your score and adjusting your habits where needed.
Credit score models often have credit scoring ranges that go from poor to exceptional, and many consider an 804 credit score to be “excellent” or “exceptional.” This score may help you may gain access to future opportunities such as approvals for premium credit cards, lower APRs and more. Let’s explore what this score means in more detail below.
Is 804 a good credit score?
An 804 credit score is considered to not only be good but “excellent” or “exceptional” by the scoring models. To understand where this score lands compared against other credit score ranges, let’s break down FICO and VantageScore’s credit score categories below as an example.
As of January 2025, VantageScore® ranges are:
- Excellent: 781 to 850
- Good: 661 to 780
- Fair: 601 to 660
- Poor: 500 to 600
- Very Poor: 300 to 499
As of January 2025, FICO score ranges are:
- Exceptional: 800+
- Very Good: 740 to 799
- Good: 670 to 739
- Fair: 580 to 669
- Poor: 579 and below
As you can see, an 804 credit score is at the high end of both the VantageScore and FICO score models. Lenders tend to consider someone with this score to be a lower-risk candidate.
Benefits of an 804 credit score
An 804 score can be helpful when the potential lender is making decisions. These include, but are not limited to:
- Lower APRs. You may be able to receive lower interest rates on loans, credit cards, a mortgage and more. Over time, this could save you in interest costs.
- Potential access to more credit card options. An 804 score may help you get approved for more premium credit cards that come with specific rewards programs.
- Rental agreements. This score may improve your likelihood of getting approved for leasing agreements, as landlords often review your credit score as part of the application process.
Maintaining an 804 credit score
Practicing consistent financial behaviors like making on-time bill payments and keeping a low (30% or less) credit utilization ratio are helpful ways to maintain your score. Additionally, you may want to review your credit report and check your score regularly to keep track of how your credit is performing over time. Also, having a long credit history can help you maintain and potentially improve your credit score, so you may want to consider keeping older credit card accounts open if possible.
One way you can monitor your score is by enrolling in Chase Credit Journey®, a free online tool anyone, including non-Chase cardmembers, can use. With this tool, you can view your credit score and set score goals using the personalized score plan provided by Experian™.
In conclusion
Your credit score is an indicator of your creditworthiness. With consistent, active effort, you may be able to raise your score to 804 or higher and maintain it by continuing to practice healthy credit habits.
