Frequently Asked Questions(FAQ)

How much can I borrow with an 800 credit score?

The amount you can borrow with an 800 credit score will depend on your unique situation. Chances are, however, you’ll be able to qualify for higher credit limits than someone with lower credit. Most lenders and credit card companies will also consider other factors like your income and debt-to-income ratio.

Do I need to improve my 800 credit score?

An 800 credit score is considered exceptional. Therefore, you don't necessarily have to improve it. But if you’d like the satisfaction of having an even higher credit score, there are certainly ways you can. 

Is an 800 Credit Score Good Enough to Get a Mortgage?

With an 800 credit score, it should be a breeze to secure a mortgage with a great rate. This is particularly true if you have a substantial down payment.  Just make sure you shop around and compare lenders to hone in on the ideal home loan.

Is an 800 Credit Score Good Enough to Buy a Car?

If you’re in the market for a car, an 800 credit score will be useful. You’ll likely get approved for an auto loan with a low rate. Don’t forget to explore all your options so you can determine the best one.

About the Authors

Anna Baluch

Written by: Anna Baluch

Personal Finance Writer

Freelance copywriter who enjoys writing for large publications as well as startups, small to medium sized businesses.

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Kal Salem

Fact checked by: Kal Salem

CPA, PMP and Finance Consultant

A CPA and finance professional working with small businesses to educate owners and grow alongside their businesses. He holds a Masters in Accounting and a BS in Supply Chain Management. Owner at Salem CPA Services LLC.

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