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Welcome to NerdWallet’s SmartMoney podcast, where we answer your real-world money questions — in 15 minutes or less.

This week’s question is from James in Oakland. He says, “Hey, Nerds, I know it’s important to have good credit, and I finally got my credit score into the mid-700s. What happens next?” We talked with Liz Weston, a NerdWallet columnist and certified financial planner, to help James out.

Our tips

  • Know what an excellent credit score is. Depending on the scoring model, any score above 720 to 760 is excellent.
  • An excellent credit score means big savings. As Liz points out in her book “Your Credit Score,” an excellent credit score can lead to lifetime savings of $250,000 on things like lower interest rates and more affordable cell phone promotions compared to someone with a lower credit score.
  • Work to maintain your score. Once you get a high score, you can keep it up by making all payments on time and using less than 30% of your credit limits. Protect your score by checking your credit regularly.

See what powers your credit

Check your credit score for free and learn what factors matter most. Your info updates every week so you can monitor your progress.

More about your credit score on NerdWallet

When is your credit score high enough? 

Does checking my credit score lower it?

Credit score up? How to build your credit smarts too

The benefits of good credit

Have a money question? Text or call us at 901-730-6373. Or you can email us at To hear previous episodes, return to the podcast homepage.

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