is 776 a good credit score
It’s good to know what your credit score is, but remember that credit scores are based on your past credit history. You could have a bad credit score right now and still get a good or decent one.
You could have a good or decent credit score if you have never had any trouble with your credit. In reality, people with bad credit scores have had a lot of trouble getting a good score. It is extremely rare to find someone who has never had trouble getting a good score as long as you own your own home.
Most people who have bad credit scores have had it for many years, but not all of them have. Most people are able to get better scores after they have paid off large amounts of debt.