Is 774 a good or bad credit score?

You know that your credit score is 774, but do you know what it means? Is 774 a good or bad credit score?

We will give you a grade like you are in school. A 774 credit score earns you the following grade: B

With a 774 credit score, you have proven over time that you take debt responsibilities seriously. You look good in the eyes of insurers, lenders, and employers.

Obviously, you know what you are doing and you are financially stable. However, 774 is a grade B and not grade A.

To work towards that A, we recommend that you look at your balances. Make sure that your balance on your credit cards and store credits, etc. is no more than 30 percent of the credit limit.

Doing what you are doing, plus limiting credit card balances, will increase that 774 credit score in no time!

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Important Note
This is Valeur's interpretation of a credit score of 774, and not necessarily how all financial institutions, employers, lenders and so on would interpret a 774 credit score. Furthermore, our recommendations are simply what we would do, and may not apply to your situation.