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A 728 FICO® Score is considered “Good”. Mortgage, auto, and personal loans are relatively easy to get with a 728 Credit Score. Lenders like to do business with borrowers that have Good credit because it's less risky.
It gets even better.
Repairing your credit is one of the best ways to increase your score, and unlock even better loan rates that you and your family deserve.
A 728 Credit Score means:
A Credit Repair company like Credit Glory can:
Give one of our friendly specialists a call today, for your FREE consultation.
Getting a mortgage and home loan with a 728 credit score shouldn't be very difficult. Your current score is a mid-to-high credit rating.
The #1 way to get a home loan with a 728 score is to complete minimal credit repair, and simply apply and wait for approval.
After a few short months of repairing your credit (with an industry leader like Credit Glory), you could potentially be in a much better position to get your ideal home loan terms.
Trying to qualify for an auto loan with a 728 credit score is relatively cheap. There isn't as much risk for a car lender (which means you get good rates). Taking out an auto loan out with a 728 credit score, shouldn't be very difficult.
It gets even better.
You can improve your loan terms with a few simple steps to repair your credit.
An ideal option at this stage is reaching out to a credit repair company to evaluate your credit and see how they can help you.
Like home and car loans, a personal loan and credit card isn't very difficult to get with a 728 credit score.
You don’t need to apply for a secured card with Discover or Capital One, who may make you pay $500-$1000 just for a deposit.
You can get even better terms on your personal loan or credit card by repairing your credit.
A 728 score means you likely have a few-no negative items on your report. Removing any outstanding negative items (or hard inquiries) is usually the quickest way to fixing your report.
We recommend speaking with a friendly credit repair expert online to help guide you through this process. Your consultation is completely free, no-pressure, and will set you on the right path.
It depends where you started out.
If you had fair credit starting out, this score may be easy to reach, once you remove any bad marks on your credit. Three collection accounts, for example, could drop a 800 credit score well below 600.
If you started out with weak credit (for example, you don’t have any revolving accounts), a single negative mark could lower you well below the 500s.
If you want a score above 728, you need to remove all inaccurate, negative items, have a good credit mix, and have an aged, revolving credit account (such as a 2+ year old credit card). You'll also want to maintain a low revolving balance (below 30% utilization).
Work on removing all negative accounts such as collections, charge-offs, medical bills, bankruptcies, et al.
Remove as many excess hard inquiries as you can. Get your revolving utilization as low as you can (0 being best, but the general rule is below 30%). Ensure you have a good credit mix of installment loans and revolving accounts.
Last but not least, make sure you have at least two revolving accounts older than 2 years (getting added as an authorized user to a friend or family members credit card can help!)
We recommend taking a look at Credit Glory. Give them a call (833) 885-2800
Reclaim your financial freedom and speak with a live credit specialist for your free consultation.
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