Is 670 a good credit score? What 670 means for your credit.

A 670 credit score or FICO score of 670 is right there on the cusp of good where you are in between the top of fair credit and the lower end of good credit. Getting in the 700’s really get you to where you want to be.

What’s the range of credit scores from low to high

Since credit scores range from 300 to 850, with higher scores indicating better creditworthiness. Typically you may have some negative items on your credit report, such as missed payments or high credit utilization, that are lowering your score.

While a credit score of 670 is not considered to be bad, it may make it more difficult to qualify for some loans and credit cards with the most favorable terms and interest rates. However, there are still many credit products available to people with fair credit scores, including secured credit cards, personal loans, and auto loans.

Your credit score isn’t the be all end all to your full credit picture. Your income, employment history, and debt-to-income ratio, can also play a role in determining your eligibility for credit products and the terms and interest rates you receive. So if you have a credit score of 670, you are on the right track. 700+ is on the horizon. Just remember by paying your bills on time, keeping your credit card balances low, and monitoring your credit report for errors, will get you there.

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