680 Credit Score: Is it Good or Bad? A FICO ® Score of 680 falls within a span of scores, from 670 to 739, that are categorized as Good. The average U.S. FICO ® Score, XXX, falls within the Good range.
With a 680 credit score, you don’t have to rely on bad credit credit cards. You may be able to get a student credit card or a decent “starter” credit card. However, a 680 will not get you every credit card on the market. In fact, most credit cards with good perks, low interest rates, and low fees do not accept people with a 680.
A 680 credit score ranges along the average and is good enough to get a house or apartment but may increase rates or terms.
Most credit scores – including the FICO score and VantageScore 3.0 – operate within the range of 300 to 850, and a good credit score is typically one that is 700 or above. Within that range, there are different categories, from bad to excellent.
So even if your 680 credit score does count as good credit by in some cases, it won’t in others. And that’s reason enough to improve your credit score so as to erase all doubt. Below, you can learn more about what your 680 credit score means as well as what you can do to take it to the next level.
680-740: Good credit. Scores around 700 are considered the threshold to “good” credit. Borrowers in this range will almost always be approved for a loan, and be offered very good interest rates. At this credit score, lenders are comfortable with the borrower, and the decision to extend credit is much easier.
Is a 680 Credit Score Good? In past entries, we have taken a look at a wide range of credit-related issues, including understanding what your FICO credit score actually includes and tips for getting a “perfect” 850 credit score.Today, we are kicking off a new series that will look specifically at tips that apply to you — depending on where you fall on the creditworthiness spectrum.
For a score between 300-850, a credit score of 700 or above is generally considered good. A score of 800 or above is considered to be excellent. Find out more about good credit scores.
680 Credit Score Might Be Decent. Let’s take a look at another pretty common credit score, the “680 credit score.”. Before we dive in and dissect this lovely three-digit number, we need to know the proper scoring scale.. There is more than one type of credit score out there folks, so it’s important to be sure we’re all talking about the same one for accuracy’s sake.
A 680 credit score is considered “Fair Credit” (scores between 650-699) and only 20 points away from the “Good Credit” category (700+). As with any score in the 650-699 range, your 680 credit score mortgage options should be attractive (depending on credit history and income).