From what I've read, a credit score of 740 and above is considered excellent. However, I learned recently that a score of 770 and above gets an even better rate.

For example, 770+ is 4.00 for a 30-year while anything below 770 is 4.18. Of course, I only found this out after I applied for a credit card and my score dipped below 770! For the amount I'm borrowing, that amounts to a six-figure difference in interest over the life of the loan...all for applying for CCs I could have waited on. Something to keep in mind...