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733 Credit Score: Is It Good Or Bad (+ Can I Fix It)?

  • A 733 credit score is good but leaves room for improvement to access better loan rates.
  • Regularly check for report inaccuracies and make timely payments to potentially raise your score.
  • Call The Credit Pros for personalized guidance to help address your unique credit challenges and improve your score.

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A 733 credit score is good but not perfect, so you've got some room to improve. Improving your score can help you snag better loan rates and credit options. Start by checking your credit report for errors, and keep your credit utilization under 30%. Simple habits like making payments on time can gradually boost your score.

To raise your 733 credit score by 50-100 points, regularly look for inaccuracies and pay down your credit card balances. Timely payments significantly impact your score, so make them a priority. Avoid applying for new credit and think about increasing your credit limits when you can to positively affect your utilization ratio.

If you want personalized guidance, call The Credit Pros. We’ll evaluate your three-bureau credit report and give you tailored advice based on your situation. Let’s work together to move your score in the right direction!

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    Why Is My Credit Score Only 733 (And Not Perfect)?

    A credit score of 733 is considered "Good," but it's not perfect, which typically starts around 750. Here are some common reasons your score might sit at this level:

    • Credit History: You may have a short credit history or some past mistakes, like missed or late payments.

    • Credit Utilization: A high credit utilization ratio can harm your score. Aim to use no more than 30% of your available credit.

    • Delinquencies: Minor delinquencies or accounts in collections can hold your score back.

    • Scoring Models: Different scoring models, such as FICO and VantageScore, may produce varying scores, meaning what you see might not reflect the best possible score from other lenders.

    • Recent Activity: If you haven’t changed your credit habits—like reducing balances or taking on new credit—you might see limited movement in your score.

    To improve your score, check your credit report for errors, keep your balances low, and ensure you make timely payments. Consistent, positive habits will help raise your score over time. To put it simply, focus on correcting inaccuracies, managing your credit utilization, and maintaining on-time payments to work toward a higher credit score.

    5 Best Ways To Boost A 733 Credit Score 50-100+ Points?

    To boost your 733 credit score by 50-100 points, here are five effective strategies:

    • Check Your Credit Reports: Obtain your credit reports from Experian, Equifax, and TransUnion. Review them for errors and dispute any inaccuracies immediately. Correcting these can improve your score.

    • Make On-Time Payments: Always pay your bills on time. Your payment history influences 35% of your credit score. Set up autopay to avoid missing payments.

    • Reduce Credit Card Balances: Keep your credit utilization below 30% of your available credit. Pay off balances entirely or make multiple payments throughout the month to maintain low usage.

    • Limit New Credit Applications: Avoid applying for new credit too frequently. Each application can lower your score due to hard inquiries. Focus on managing your existing accounts instead.

    • Increase Credit Limits: Request a credit limit increase on your current cards or responsibly open a new one. Higher limits can decrease your credit utilization, positively impacting your score.

    In short, check your credit reports for errors, pay bills on time, reduce credit card balances, limit new credit applications, and consider increasing your credit limits. These steps can help you quickly improve your score from 733.

    How Long To Improve My 733 Credit Score 50-100+ Points?

    To improve your 733 credit score by 50-100+ points, expect to see results within one to three months, depending on your financial situation and actions. By reducing credit card balances, you might notice a significant increase in your score quickly—possibly within 30 days.

    Keep your credit utilization below 30% of your limits, and aim for under 10% for optimal results. Paying off debt impacts your score, so clearing balances to near $0 is highly effective. Maintain on-time payments and avoid opening new credit accounts to enhance your chances of a fast increase.

    If you have negative marks like late payments, improvement might take longer—up to a year or more. A consistent history of on-time payments will gradually boost your score. Additionally, maintaining older credit accounts is beneficial since length of credit history plays a role in your score calculation.

    Your score can fluctuate after making significant changes, but consistency with payments and credit utilization will yield long-term benefits. To finish, focus on reducing balances, making timely payments, and avoiding new credit to effectively boost your credit score.

    Can I Get The Best Mortgage Rates With A 733 Credit Score?

    Yes, you can get the best mortgage rates with a 733 credit score. This score is in the good credit range, which lenders typically view favorably. However, to secure the absolute best interest rates, a "very good" or "exceptional" score is usually necessary.

    Lenders evaluate more than just your credit score. They assess your income, debt-to-income ratio, employment history, and overall financial profile. While a 733 score indicates responsible debt management, a slightly higher score can yield better rates, as statistical default rates decrease with higher scores.

    To improve your chances, consider these steps:
    • Pay down existing debts.
    • Make timely payments.
    • Correct any inaccuracies on your credit report.

    These actions can help you secure a mortgage and potentially lower your interest rates.

    In essence, while your 733 credit score puts you in a strong position, enhancing it further can open doors to even better mortgage rates.

    Inaccuracies hurting your Credit Score?
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    Any Practical Benefits Of A 733 Credit Score

    Having a credit score of 733 offers you several practical benefits. This score is considered good and opens up opportunities for favorable financial products. Specifically, you can expect:

    • Access to personal loans with competitive terms. Lenders see you as a lower-risk borrower due to your solid credit history.

    • Eligibility for standard unsecured credit cards. While you might miss out on some premium offers, many credit cards remain available to you.

    • Improved chances of securing an auto loan. Your credit score enhances your likelihood of approval and can influence lower interest rates.

    • Potential access to decent mortgage rates. A score of 733 gives you greater bargaining power compared to those with lower scores when seeking a home loan.

    While this score doesn’t guarantee the absolute best rates, it positions you favorably compared to those with lower scores. To maintain this score, ensure you make timely payments and manage your credit utilization effectively.

    To wrap up, a 733 credit score offers you access to better loan terms, credit card options, and mortgage rates. By staying on top of your payments and managing your credit wisely, you can further enhance your financial opportunities.

    Can I Get Good Personal Loan Rates With A 733 Credit Score?

    Yes, you can get good personal loan rates with a 733 credit score. This score is considered good, indicating that lenders view you as a low-risk borrower. You’re likely to qualify for various personal loans with favorable terms.

    When you apply, remember to:
    • Shop around among different lenders since rates can significantly vary.
    • Some lenders may offer better rates for "very good" or "excellent" scores, but many provide competitive options for good scores like yours.
    • Check your credit report for errors. Dispute any inaccuracies promptly to ensure your score reflects your true creditworthiness.

    Evaluate your financial situation before applying. Borrow only what you truly need and can repay comfortably. Consider approaching lenders with whom you have existing relationships; they may offer better terms based on your history with them.

    On the whole, with a 733 credit score, you open many doors to securing a personal loan at a reasonable rate, especially if you follow these steps.

    Can I Buy Or Lease A Car With A 733 Credit Score?

    Yes, you can buy or lease a car with a 733 credit score. Your FICO® Score of 733 is considered 'Good,' which typically enables you to qualify for competitive lease terms. Many leasing companies prefer scores around 680 or higher, making your score quite favorable.

    Lenders evaluate more than just your credit score. They also assess your debt-to-income (DTI) ratio, credit history, and credit utilization. Aim for a DTI ratio below 36% for the best outcome. With a score of 733, you have a strong chance to secure favorable rates, although higher credit scores might offer even better lease deals with lower interest rates.

    Keep in mind that leasing terms can vary based on the dealership and vehicle. To find the best offers, shopping around is a smart move.

    Bottom line—you can confidently pursue buying or leasing a vehicle with your credit score. Your good credit score positions you well for attractive terms, so explore your options and find the best fit for your needs.

    Credit Card (Secured Or Unsecured) Options With A 733 Credit Score?

    With a 733 credit score, you can access both secured and unsecured credit card options. Secured credit cards require a cash deposit and are typically easier to obtain, helping you build or rebuild your credit with responsible use. Popular choices include the Discover it® Secured Card, which can convert to an unsecured card after six months of on-time payments.

    You also have a range of unsecured credit cards available. Your score positions you for approval on many cards that offer rewards and benefits. Consider options like the Capital One Platinum Mastercard or the Petal® 1 Visa®, which usually have reasonable interest rates and may not require a security deposit.

    Compare card features, fees, and interest rates carefully. Look for cards with no annual fees and favorable terms. Understanding the specifics helps you make an informed decision aligned with your financial goals.

    In a nutshell, you can choose from secured cards like Discover it® or explore unsecured options such as Capital One and Petal®. Just remember to compare features and terms to find the right card for your needs.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    Should I Become An Authorized User If I Want To Boost My 'Good' Credit Score

    Yes, you should consider becoming an authorized user to boost your good credit score. As an authorized user, you can use someone else's credit card without being responsible for the payments. This can significantly improve your credit score, especially if the primary account holder has a strong credit history with on-time payments and low credit utilization.

    When you become an authorized user, the account’s payment history and credit limit may show up on your credit report. If the primary user maintains good credit habits, your score could increase. Research indicates that individuals often see an average credit score boost of around 11% shortly after being added as an authorized user.

    However, you must choose the right primary account holder. Make sure they have solid credit habits because if they miss payments or utilize high credit amounts, these negative factors may impact your credit report as well. Before proceeding, confirm that the credit card issuer reports authorized user activity to the credit bureaus.

    All in all, if you select wisely and the conditions are favorable, becoming an authorized user can effectively enhance your credit score and help you build a stronger credit history.

    Which Negative Marks On My Credit Report Affect My 733 Credit Score?

    Negative marks on your credit report that affect your 733 credit score include missed payments, charge-offs, collections, repossession, and foreclosure.

    Missed Payments: You experience significant score drops from missed payments. A single late payment can lower your score by 60 to 130 points and may stay on your report for about 7½ years.

    Account Charge-Offs: If you miss payments for several months, creditors may charge off your account. This stays on your report for up to 7 years and can drastically impact your credit score.

    Collections: When your debt goes to a collection agency, it negatively affects your score. Like charge-offs, collection accounts remain for around 7 years.

    Repossession: Failing to keep up with car payments can lead to repossession. This event remains on your credit report for 7 years and can cause a significant score drop.

    Foreclosure: If you stop paying your mortgage, your home may be foreclosed. This can linger on your report for 7 years, harming your score considerably.

    The longer these negative marks stay on your report, the less impact they generally have over time. However, recent negative information can have a more substantial effect. To improve your situation, make all future payments on time and address any inaccuracies on your report.

    The gist of it is that you should focus on timely payments and dispute errors to safeguard your credit score moving forward.

    Should I Negotiate And Pay Off Debts To Improve My 'Good' Credit Score?

    Yes, you should negotiate and pay off debts to improve your 'good' credit score. Paying off debt lowers your credit utilization ratio, which significantly impacts your score. If you can settle for less than what you owe or negotiate a repayment plan, it's a smart move.

    Keep in mind that settling a debt may temporarily hurt your credit score since it shows you didn’t pay the full amount originally agreed upon. This negative mark can remain on your report for up to seven years. However, clearing debts will eventually boost your standing with credit bureaus.

    To improve your situation, focus on:

    • Paying off high-interest debts first to save money and enhance your credit score.
    • Increasing payments or switching to a manageable repayment schedule to maintain consistency.
    • Avoiding missed payments, as on-time payments help build a stronger credit score.

    If you have multiple debts, tackle them individually to simplify management and reduce stress. Engaging with your creditors is essential; many are willing to negotiate.

    Remember, negotiating and paying off debts may have immediate downsides, but the long-term benefits of reducing your debt load and improving your credit utilization can lead to a higher credit score. Take these actionable steps to put yourself on the path to better credit today.

    Best Site To Monitor My Credit Report?

    The best site to monitor your credit report is Credit Karma. It offers free access to your credit scores and reports from two major bureaus, Equifax and TransUnion.

    When you sign up for Credit Karma, you get notifications about significant changes on your credit reports. This allows you to quickly catch errors, inconsistencies, or potential identity theft. You also gain access to your VantageScore 3.0, which lenders often consider.

    Another excellent option is Experian. Their free monitoring service provides real-time alerts for any changes in your credit report. They even offer a one-time dark web surveillance report to check if your information is compromised.

    If you're looking for more comprehensive monitoring, consider myFICO. This service gives you access to your FICO scores from all three bureaus—Experian, TransUnion, and Equifax. Many lenders use FICO scores, making this particularly useful.

    Lastly, NerdWallet is a valuable platform, too. You gain access to your credit score and receive alerts about changes that may affect your credit health.

    At the end of the day, monitoring your credit is essential for managing your financial future. Choose the service that best suits your needs and stay informed about your credit health.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    Should I Consider A Credit Builder Loan W/ 'Good' Credit?

    Yes, you should consider a credit builder loan even if you have good credit. Here’s why:

    • A credit builder loan strengthens your credit score. It boosts your on-time payment history, which is crucial since payment history makes up 35% of your credit score.

    • You face more flexible requirements with these loans. Many lenders don't require a high credit score to qualify; instead, they focus on your income and employment information.

    • These loans help diversify your credit mix. Lenders prefer individuals with varied credit accounts, enhancing your creditworthiness.

    • By consistently making payments, you can further boost your score. This tool helps you build a solid credit profile, especially if you plan to apply for larger loans or credit cards in the future.

    However, if you miss payments, it can negatively impact your score. We advise you to assess your financial situation and ensure you're prepared for the loan payments.

    Lastly, think about how this fits within your overall credit strategies, including "best ways to boost a 733 credit score" and "personal loan rates with a 733 credit score.

    Is A 733 Credit Score Different Between Fico And Vantage

    A 733 credit score can be different between FICO and Vantage models. Both scores range from 300 to 850 but assess creditworthiness using different factors.

    1. FICO Score: A score of 733 is good, falling between 670 and 739. FICO considers five categories: payment history, amounts owed, length of credit history, types of credit, and new credit. About 90% of top lenders rely on FICO scores.

    2. VantageScore: Here too, a 733 score is good. VantageScore evaluates credit using six categories, with different weightings. It includes non-traditional credit like utility payments, which can boost your score if you pay on time.

    3. Variability of Scores: Your score may vary slightly depending on the model used due to these differing factors. For instance, VantageScore may factor in your utility payments, while FICO might not.

    4. Overall Difference: While a 733 score reflects good credit on both models, the factors contributing to that score can differ. Depending on the scoring model, your creditworthiness might be perceived differently.

    Finally, understanding these differences helps you make informed decisions about loans or credit applications. Focus on maintaining good payment habits across all credit types for the best possible score.

    Does My 733 Credit Score Affect My Chance To Rent An Apartment?

    Your 733 credit score boosts your chances of renting an apartment. A score over 670 is generally considered good, placing you in a favorable position. Landlords prefer tenants with good credit scores, as these indicate financial responsibility.

    Keep in mind that each landlord has their own criteria. Your score may qualify you for most rentals, but some landlords might seek higher scores or additional financial documentation. Factors like your income and rental history also significantly impact their decision.

    Big picture, your 733 credit score enhances your rental application, but other elements matter too. If you have any concerns about your score or rental eligibility, we advise you to discuss your financial situation openly with potential landlords.

    Can A Credit Repair Company Actually Boost My 'Good' Score Any Further

    Yes, a credit repair company can potentially boost your good credit score—like a 733 score—even further, but there are limitations. These companies can help you identify inaccuracies on your credit report and dispute them on your behalf. This process might remove incorrect or unverified negative marks, ultimately improving your score. However, credit repair services cannot change accurate negative information, such as missed payments or bankruptcies.

    You should know that you can perform all the actions a credit repair company does on your own for free, including disputing inaccuracies. If a credit repair company promises to remove accurate negative items, be cautious; it may be a scam. Watch out for companies that make bold promises without guaranteed results.

    Consider this: if you have a 733 score with a few errors or old unverified debts, correcting those may help. If your score is solid due to legitimate reasons, expect limited improvements. Furthermore, many credit repair companies charge high monthly fees, which may not be worth it compared to managing your credit on your own.

    Overall, credit repair companies can assist you if there are inaccuracies in your credit report, but they can't perform miracles for valid negative items. You can effectively boost your score by diligently managing your financial habits, like paying bills on time and keeping debts low. If you’re considering this option, be sure to check related questions in our article about credit scores for more helpful insights.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

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