Who Has a 714 Credit Score?

Although age itself isn't a factor in your credit score, averages tend to climb as people get older. According to 2023 Experian data, here’s how the average FICO score breaks down by generation:

• Generation Z (ages 18-26): 680
• Millennials (ages 27-42): 690
• Generation X (ages 43-58): 709
• Baby Boomers (ages 59-77): 745
• Silent Generation (ages 78+): 760

Credit Cards With a 714 Credit Score

A credit score of 714 is considered good, placing you in a favorable position when applying for a new credit card. While this score will likely get you approved for many cards, you might not qualify for the most exclusive, premium options reserved for those with excellent credit. Nevertheless, you'll have access to a wide array of competitive cards, including those offering valuable rewards, cashback, and reasonable interest rates.

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Kudos can help you find the right card for your financial situation with its Explore Tool, which personalizes suggestions based on your goals. The tool sifts through nearly 3,000 options to find matches for various credit profiles, including those for people with average credit.

Auto Loans and a 714 Credit Score

With a 714 credit score, you fall into the "prime" borrower category, which generally means you'll have a good chance of being approved for an auto loan. While you can expect to receive competitive interest rates, they won't be quite as low as the rates offered to those with super-prime credit.

Here’s a look at the average car loan rates by credit score bracket, based on Q2 2025 data:

• Super-prime (781-850): 5.25% for new cars and 7.13% for used cars.
• Prime (661-780): 6.87% for new cars and 9.36% for used cars.
• Non-prime (601-660): 9.83% for new cars and 13.92% for used cars.
• Subprime (501-600): 13.18% for new cars and 18.86% for used cars.
• Deep subprime (300-500): 15.77% for new cars and 21.55% for used cars.

Mortgages at a 714 Credit Score

A 714 credit score positions you as a strong candidate for a home loan. You'll meet the criteria for all major mortgage products, including conventional, jumbo, FHA, VA, and USDA loans. According to credit score requirements, lenders view a score in the 700s as less risky, which can lead to an easier approval process and more loan choices.

Your score also positively impacts your loan terms. You can expect a more competitive interest rate and lower Private Mortgage Insurance (PMI) premiums on conventional loans. While not in the top tier, a 714 score provides access to favorable terms and may give you some leverage when negotiating with lenders.

What's in a Credit Score?

Figuring out what goes into your credit score can feel like trying to solve a complex puzzle, but it generally boils down to a handful of key elements. The most common factors include:

• Your payment history, which tracks whether you pay your bills on time, is the most significant factor.
• Credit utilization, or the amount of credit you're using compared to your total available credit, also plays a major role.
• The length of your credit history demonstrates your experience with managing credit over time.
• Having a healthy mix of different types of credit, such as credit cards and installment loans, can positively impact your score.
• Finally, recent credit inquiries, which occur when you apply for new credit, are also taken into account.

How to Improve Your 714 Credit Score

No matter your starting point, improving your credit score is always possible with consistent effort and the right strategies. A 714 score is considered good, but taking a few key steps can help push you into the 'very good' or 'excellent' range, unlocking better financial opportunities.

• Monitor your credit reports regularly. This allows you to spot and dispute any inaccuracies that could be unfairly holding your score down, providing a potentially quick boost into a higher scoring tier.
• Establish automatic bill payments. Since payment history is the most significant factor in your score, ensuring you never miss a due date is crucial for maintaining positive momentum and climbing higher.
• Reduce your credit utilization ratio. Keeping your balances low relative to your credit limits—ideally below 30%—is one of the fastest ways to see a score increase and strengthen your financial profile.
• Diversify your credit mix. Showing lenders you can responsibly manage different types of credit, such as both credit cards and installment loans, can strengthen your credit profile over time.

For help managing your credit cards and maximizing rewards as you build your score, consider using a financial companion tool like Kudos.