Answer: -It's good. But Credit History is much more important than credit score. Often, the lack of credit history is equated with bad credit. You should be aware that lenders will go through your credit report once you apply for a loan. Therefore you should also polish your credit report. To establish a good history , I suggest getting a $3000-$4000 loan and paying it off in full in 5-6 months. You might pay $200-$300 of interest but you will save thousands of dollars in your home mortgage and interest rates. -It's a great score. And banks will definitely be generous with you. And it's a great score to use to get your rates lowered and pay less on your debt.Like someone else said before here: a great score to refinance! -To put a FICO 760 in perspective, only 13% of the credit-using population has a score of 800 or better. From everything I've read, 760 is not only significantly above average (673-720), but it will entitle you to the best (lowest) mortgage rates.When making a decision, many mortgage lenders will use the average of your 3 FICO scores (one for each of the 3 CRAs), and other mortgage lenders will use the one that is in the middle, called the median score. Before signing that loan application, know what the lender's policy is, and know your 3 FICO scores.Point: I've seen many cases where a person 3 scores vary in a range of 60 or more points, because each CRA carries different information.