What to Do When Your Credit Score is Stuck at 750

Credit score stuck at 750? Getting to a 750 credit score is a big deal. But many people get stuck at this point and can’t get into the “excellent” credit range (800+).

While a 750 credit score is already good, if you want better financial terms or to take your score higher for more opportunities, you need to know why your score is plateauing and how to break through.

In this guide we’ll go over the reasons for a credit score plateau, the factors that affect your score, steps to improve your credit score and how Dovly AI can help.

What is a 750 Credit Score?

A 750 credit score is in the “very good” range (740-799). That means you’ve been doing great with your credit. Here’s what that means in your financial life:

• Lower Interest Rates: With a 750 score you’ll get the best interest rates on loans, mortgages and credit cards. This can save you a lot of money over time.
• Higher Credit Limits: Lenders and credit card issuers will offer you higher credit limits which can help improve your credit utilization ratio (a key to boost your score).
• Premium Financial Products: You’ll qualify for the best credit cards, personal loans and mortgages with great rewards and low fees.

You’re already doing great but the remaining effort to get from “very good” to “excellent” can get you even better terms.

Credit Score Ranges: 750?

Knowing where your FICO credit scores fall in the ranges is key to knowing where to improve and what to aim for. Here’s what each range means and what it means for your financial opportunities:

300-579: Poor
People with poor credit get the highest interest rates, can’t get loans and limited credit card options. But it’s not the end of the road—by fixing and rebuilding your credit you can move into a better range.

580-669: Fair
You may qualify for some loans or credit cards but these will come with higher interest rates or lower credit limits. Lenders view people in this range as higher risk so it’s important to work on payment habits and debt reduction.

670-739: Good
Most lenders will offer you good terms including moderate interest rates and better credit card rewards. This is a good range but moving into the next one can get you even more benefits.

740-799: Very Good
You’ll qualify for competitive interest rates, high credit limits and premium financial products. But small tweaks—like improving your credit mix or reducing utilization—can get you into the “excellent” range.

800-850: Excellent
Borrowers with excellent credit get the best terms—lowest interest rates, exclusive rewards and elite financial products. Lenders view you as super trustworthy and your strong credit profile can get you exceptional opportunities—faster loan approvals and better negotiating power.

What Affects Your Credit Score

To break through a credit score plateau you need to know what affects your score:

• Payment History (35%) Paying bills on time has the biggest impact on your score. Late payments, defaults or bankruptcies will hurt it.
• Credit Utilization (30%) This is the percentage of available credit you’re using. Keep it below 30% of your total credit limit to maintain or improve your score. High utilization will drag your score down.
• Length of Credit History (15%) A longer credit history means you’re more financially responsible. Keep older accounts open even if unused to extend your credit history.
• Credit Mix (10%) Having multiple credit types—credit cards, mortgages and personal loans—means you can handle multiple credit products responsibly.
• New Credit Inquiries (10%) Applying for credit results in hard inquiries which will temporarily lower your score. Too many inquiries in a short time will mean you’re overextending yourself.

Let’s break some of these down a little further.

Credit Utilization

Since credit utilization is 30% of your score it’s important to:

• Pay Down Balances: Focus on reducing credit card debt to lower your utilization.
• Request Credit Limit Increases: A higher credit limit will lower your utilization percentage and improve your score.
• Make Multiple Payments: Make payments throughout the month to reduce balances consistently.

Lowering your utilization will give you a quick score boost.

Credit Mix

A diverse credit mix will strengthen your score by showing you can handle multiple credit products, such as an auto loan. If you’re heavy on credit cards consider adding installment loans like:

• Auto loans
• Personal loans
• Mortgages

Having multiple types of credit will not only improve your score but also give you more financial options.

Credit Score Plateaus

What is a Credit Score Plateau?

A credit score plateau is when your score stops increasing despite your best efforts. If you’ve worked hard to improve your credit and only see minimal progress when you hit 750 you’re not alone. Once you get to 750 you’re already doing most things right. You’re making on time payments, keeping credit card balances low and having a healthy credit mix. But the closer you get to a perfect score the harder it gets to improve. The factors that remain—the last few percentage points—become harder to adjust. For example improving your payment history or credit utilization won’t have the same rapid results as when you were in the 600s.

But don’t worry—knowing what’s behind the plateau will give you the tools to get past it.

How to Break Through a Credit Score Plateau

1. Pay Down Credit Card Balances

If you have high credit card balances, consider paying them down. Reducing your utilization ratio (the balance to credit limit) will improve your FICO credit scores. Aim to keep your balance under 30% of your credit limit or lower if possible.

2. Keep Old Accounts Open

Your credit history length is 15% of your score. By keeping old credit accounts open (even if you don’t use them) you’ll maintain a longer credit history which will help your FICO credit scores.

3. Mix of Credit

If you’re heavy on credit cards, consider mixing in installment loans like auto loans or personal loans. A balanced credit mix will help your FICO credit scores over time.

4. Make Payments on Time Every Time

Late payments will hurt your score. Set up automatic payments for bills or use reminders to stay on track. One missed payment will delay your progress to a higher FICO credit score.

5. Don’t Apply for New Credit

Each time you apply for new credit, a hard inquiry is recorded, which can temporarily lower your score. To prevent further plateaus, only apply for credit when absolutely necessary.

Credit Score Myths That’s Holding You Back

Credit score myths can often lead to misconceptions that prevent you from making the most of your financial potential. Let’s debunk some of these myths and set the record straight:

Myth #1: You Must Carry a Balance to Improve Your Score
This is a common but false belief. Carrying a balance on your credit card does not boost your credit score. In fact, it can lead to unnecessary interest charges and increase your credit utilization ratio—two factors that could harm your score. Paying off your credit card balances in full every month is the smartest approach. It not only prevents costly interest but also demonstrates responsible credit use, which helps improve your score over time.

Myth #2: Checking Your Own Credit Hurts Your Score
This myth often causes people to avoid reviewing their credit reports, which is a mistake. Checking your own credit through a soft inquiry—whether through a free service or a monitoring platform like Dovly—does not affect your score. However, hard inquiries, which occur when a lender checks your credit during an application process, can temporarily lower your score. Regularly reviewing your credit report from all three credit bureaus—Equifax, Experian and TransUnion, ensures you stay informed about your financial health and spot inaccuracies that might need correcting.

Myth #3: Closing Old Credit Accounts Improves Your Score
Some believe that closing old accounts they no longer use will help their credit score, but this can actually hurt it. Old accounts contribute to the length of your credit history, which is a significant factor in your score. Closing them could reduce the average age of your accounts, lowering your score. Instead, keep those accounts open, especially if they have no annual fees, to maintain your credit history’s strength.

Myth #4: Paying Off a Debt Erases Its Impact
While paying off a debt is a great step, it doesn’t immediately erase its impact from your credit report. Negative marks like missed payments or defaults remain on your credit report for up to seven years, even after the debt is paid. However, the impact of these marks diminishes over time as you demonstrate responsible financial behavior.

Myth #5: All Credit Scores Are the Same
Many assume there’s only one credit score, but this isn’t true. Different scoring models, such as FICO and VantageScore, calculate credit scores slightly differently. Moreover, lenders might use industry-specific versions of these scores, such as one tailored for auto loans or mortgages. To stay on top of your credit health, monitor your score using a trusted service like Dovly, which provides accurate and actionable insights.

By understanding these myths and focusing on what truly matters, you can avoid common pitfalls and take meaningful steps to improve your credit score.

How Dovly AI Can Help You

Dovly AI is a powerful tool to manage your credit and provides personalized recommendations to improve. By signing up for Dovly you can:

• Monitor Your Credit Reports: Obtain a free credit report each month—so you can catch any errors or areas to improve.
• Dispute Errors: If there are errors on your report Dovly AI will help you dispute them so your score reflects your real financial behavior. Based on the TransUnion credit bureau, disputes can e sent to all three credit bureaus
• Get Personalized Recommendations: Dovly will give you tips to improve your score including how to lower credit utilization, mix of credit and new inquiries.

By using Dovly AI you’re not just watching your score plateau—you’re actively improving it with AI.

Final Tips for Success

Achieving and maintaining a high credit score requires ongoing effort and attention. Here are some final tips to help you succeed:

• Stay Informed: Regularly monitor your credit reports and credit score to stay up-to-date on any changes. This helps you catch errors early and stay on top of your financial health.
• Be Patient: Improving your credit score takes time. Be patient and persistent in your efforts, and remember that progress may be slow but steady.
• Avoid Credit Repair Services: Credit repair services can be costly and often ineffective. Focus on DIY credit repair by following the tips and strategies outlined in this article.
• Seek Professional Help: If you’re struggling with debt or credit issues, consider seeking help from a financial advisor or credit counselor. They can provide personalized advice and support.
• Celebrate Milestones: Recognize and celebrate your progress along the way. Whether it’s paying off a significant debt or reaching a new credit score high, acknowledging your achievements can keep you motivated.

By following these final tips, you can achieve a high credit score and enjoy better financial health and opportunities.

Bottom Line

A 750 score is great but there’s always room to improve. Knowing what affects your score, following the tips above and using Dovly AI will help you break through the 750 plateau and get to the next level.

Remember improvement doesn’t happen overnight. Be patient, stay consistent and monitor your progress. 800+ is within reach.

Sign up for Dovly AI today to start monitoring your credit and get personalized recommendations to take your score to the next level!