825 credit score: A guide to credit scores
Quick insights
- An 825 credit score is considered to be “exceptional” or “excellent” by some credit scoring models.
- Opportunities of an 825 credit score may include access to lower annual percentage rates (APRs), potential credit application approvals and more.
- To help maintain an 825 credit score, continue to make regular, consistent payments and monitor your credit behaviors.
You’ve recently checked your credit score and it shows a three-digit number: 825. What does this score mean and how can you benefit from it? Let’s dive in to learn more.
Is 825 a good credit score?
Having an 825 credit score is considered “excellent” or “exceptional” by some credit scoring models. Let’s break down the score categories of both VantageScore® and FICO® score below.
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 825 credit score falls into the highest of the credit scoring ranges. With that comes several potential credit opportunities. Let’s review them in more detail below.
Benefits of having an 825 credit score
With a high credit score of 825, you might have the following credit opportunities, including:
- Lower APRs. A higher score could lead to lower interest rates, helping you save in interest costs in the long run.
- More financial opportunities. Lenders may look at your credit score as part of the approval process for loans, mortgages and other types of credit. Though there are other factors affecting this decision too, you are more likely to get approved for these financial opportunities when you have a high credit score.
- A positive reputation. In addition to potential lenders, landlords may review your credit score to help determine your approval for leasing agreements. A high credit score may demonstrate your responsibility for making payments on time. This could increase your chances in getting approved to rent a house or apartment.
- Potential access to more credit cards. With a high credit score, you may increase the odds of getting approved for more exclusive credit cards with premium benefits.
Strategies to maintain an 825 credit score
It can be helpful to try to maintain this high score. Some ways to help you maintain an 825 credit score include the following:
- Make consistent, timely payments. Payment history is a major factor in generating your credit score, so keeping up with this healthy habit can help keep your credit score high.
- Review your credit score regularly. Keeping an eye on your credit score can be a helpful way to track your progress and see if your current behaviors are helping or hurting you. If you enroll in Chase Credit Journey®, a free tool anyone can use, you can view your credit score provided by Experian™ for free, anytime you want, with no impact to your score.
- Lower your credit utilization ratio. This ratio is the amount of credit you use against your total available credit. It is another heavily-considered factor when calculating your score. Lowering this ratio to 30% or less can help with maintaining a healthy credit score.
- Avoid negative marks on your credit report. These include items such as bankruptcy or loan default. Negative marks can damage your credit score and remain on your credit report for up to seven years or more.
In conclusion
A credit score of 825 isn’t obtained overnight. With consistent, timely payments and other healthy habits, you can achieve and maintain this high score. With responsible credit management, you might gain access to more or better credit opportunities.
