Don't let errors on your Credit Report hurt your future opportunities. Learn More

Home / Credit Scores / 675 Credit Score: Is It Good Or Bad (+ Can I Fix It)?

675 Credit Score: Is It Good Or Bad (+ Can I Fix It)?

  • A 675 credit score is good but can limit financial options and access to better rates.
  • Improving your score can unlock better deals and reduce borrowing costs.
  • Call The Credit Pros for personalized support to potentially improve your score and enhance your financial future.

Pull your 3-bureau report and see how you can identify and remove errors on your report.

See How You Can Improve Your Score

89 people started their credit fight today - join them!

BBB A+ rating credit repair company

A 675 credit score puts you in the "good" category, but it can limit your financial options. You can access personal loans, mortgages, and car financing, but you might not snag the best rates. To unlock better deals and cut down on borrowing costs, work on improving your score.

To boost your 675 credit score, make timely payments, keep your credit utilization under 30%, and tackle any negative marks on your report. Dispute inaccuracies if you spot them, and consider becoming an authorized user on a friend’s or family member's good credit card account. This helps you benefit from their positive credit habits. These steps can raise your score by 50-100+ points over time.

Ready to boost your credit score? Call The Credit Pros. We'll chat in a relaxed, no-pressure way to review your credit report and give you tailored advice. Don’t wait—let’s improve your financial future together!

On This Page:

    Why Is My Credit Score Only 675 (And Not Perfect)?

    Your credit score of 675 is good but not perfect. Several factors affect this score.

    First, missed payments can harm your credit. You should always make timely payments to boost your score. Next, your credit utilization matters too. If you use a high percentage of your available credit, it can lower your score. Aim for a utilization rate below 30% for improvement.

    The length of your credit history may also play a role. A shorter history can limit your score potential. A mix of credit types, like installment loans and credit cards, impacts your score as well. Maintaining low balances on your accounts is important too.

    Recent hard inquiries can temporarily affect your score. When you apply for credit, a hard inquiry appears on your report and stays for about two years.

    Bottom line – to improve your score, focus on timely payments, keep your credit utilization low, and manage your credit history wisely. You have the power to enhance your credit score by addressing these key areas.

    5 Best Ways To Boost A 675 Credit Score 50-100+ Points?

    To boost your 675 credit score by 50-100+ points, implement these five effective strategies:

    • Make Timely Payments: Pay your bills on time consistently. Payment history impacts 35% of your credit score. Use autopay for minimum amounts and set reminders for due dates to avoid missed payments.

    • Reduce Credit Utilization: Keep your credit utilization below 30%, aiming for single digits. This ratio significantly affects your score. Pay down balances before the billing cycle closes to report a low balance.

    • Dispute Inaccuracies: Regularly review your credit reports from all three bureaus for errors. You can request free reports annually. Dispute inaccuracies, such as late payments or accounts in collections, since they negatively impact your score.

    • Increase Credit Limits: Request a credit limit increase on existing cards or open a new one. This lowers your utilization ratio, provided you don’t increase your spending.

    • Limit New Credit Applications: Each application can slightly reduce your score due to hard inquiries. Space out your applications to maintain your score and avoid sudden drops.

    In a nutshell, you can significantly boost your credit score by making timely payments, reducing credit utilization, disputing inaccuracies, increasing credit limits, and limiting new credit applications.

    How Long To Improve My 675 Credit Score 50-100+ Points?

    Improving your 675 credit score by 50-100+ points typically takes 3 to 12 months, depending on your financial behavior and specific actions. You can see noticeable positive changes in just a few months by consistently making on-time payments and reducing your credit utilization below 30%. Paying down existing debts, particularly high credit card balances, also significantly boosts your score faster.

    As you actively dispute any inaccuracies on your credit report and manage your accounts responsibly, you’ll likely experience gradual improvements over time. It's essential for you to focus on positive credit habits regularly, as building a strong credit history is a long-term effort.

    All in all, with dedication and the right strategies, you can achieve significant increases in your credit score within months while working toward maintaining good credit habits in the long run.

    Can I Get The Best Mortgage Rates With A 675 Credit Score?

    Yes, you can get mortgage rates with a 675 credit score, but these rates may not be the best available. A score of 675 is considered "good" (670-740), which generally allows for mortgage approval.

    However, lenders might offer higher interest rates compared to those available for borrowers with higher credit scores. Typically, borrowers with excellent credit scores (740-850) secure more favorable rates.

    Several factors influence mortgage rates, including your down payment size and overall financial health. If you present a solid down payment, you may secure better terms, even with a 675 score.

    Some government-backed loans, like FHA loans, are available for those with credit scores of 580 or higher, which might provide more favorable terms.

    To improve your chances of getting better rates, you should focus on enhancing your credit score and shop around with different lenders. Each lender has unique criteria, and some may offer better options based on your credit score.

    The gist of it is that while a 675 credit score can get you approved for a mortgage, focusing on improving your credit and exploring various lenders will help you find the best possible rates.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    Any Practical Benefits Of A 675 Credit Score

    A 675 credit score provides several practical benefits. It sits in the "good" credit range, which can help you when seeking loans or credit.

    • Loan Approval: You typically qualify for personal loans, mortgages, and auto loans. However, expect terms that may not be as favorable as those for scores above 700.

    • Interest Rates: Your rates are likely higher than those with scores over 700, but you still enjoy lower rates than those with scores below 670.

    • Credit Card Access: You can generally qualify for standard (non-secured) credit cards. Still, premium credit card offers may be out of reach until you boost your score.

    • Insurance Premiums: Insurers often factor in credit scores. With a 675 score, you may receive lower car insurance rates than individuals with lower scores, as you’re seen as a lower risk.

    While you may not have a perfect score, a 675 credit score gives you a good chance to secure credit. It also opens the door for you to learn how to improve your score further. Remember, you can take actionable steps to enhance your credit and secure better financial opportunities.

    Can I Get Good Personal Loan Rates With A 675 Credit Score?

    Yes, you can get good personal loan rates with a 675 credit score. A score of 675 is in the "good" range, meaning lenders see you as a relatively low-risk borrower.

    While you may not qualify for the absolute best rates reserved for those with scores of 740 and above, numerous options are still available. Lenders are willing to extend loans at reasonable rates to borrowers in your credit tier. Your score indicates that you generally pay your bills on time, which is a positive factor.

    To improve your chances for better rates, consider these steps:
    • Check your credit report for errors and dispute any inaccuracies.
    • Keep your credit utilization ratio low by paying down existing debts.
    • Assess how much you really need before applying, as borrowing within your means looks favorable to lenders.
    • Consider applying with lenders where you have existing accounts, as they may offer better terms based on your history.

    If traditional lenders present challenges, explore alternative lending platforms. They often provide flexible terms for borrowers with scores like yours.

    At the end of the day, while you may not land the lowest rates, you can still secure a personal loan at a competitive rate with a 675 credit score by taking proactive steps.

    Can I Buy Or Lease A Car With A 675 Credit Score?

    Yes, you can buy or lease a car with a 675 credit score. This score is in the "good" range, making you a low-risk borrower in the eyes of lenders. You qualify for an auto loan, although interest rates may be higher than the best available rates.

    Lenders often charge higher interest rates to those with scores below 720. If market average rates hover around 5.64% for higher scores, you might face rates around 9.19% or more. Other factors, such as your income and debt-to-income ratio, can also affect your rate.

    To secure the best terms, consider these steps:
    • Make a larger down payment.
    • Explore multiple lenders.
    • Compare fees and loan terms.

    Lastly, remember to shop around for the best deals to ensure you cover all possible options for your auto financing.

    Credit Card (Secured Or Unsecured) Options With A 675 Credit Score?

    With a 675 credit score, you can explore secured and unsecured credit card options.

    • Secured Credit Cards: You need to provide a cash deposit, which becomes your credit limit. These cards are easier to qualify for and help you build your credit. Look for options like the Discover it® Secured Card or the Capital One Secured Mastercard, as they report to all three major credit bureaus.

    • Unsecured Credit Cards: Some banks may approve you for unsecured cards despite your 675 score. These cards often come with higher interest rates and fees. Consider choices like the Credit One Bank Platinum Visa or the OpenSky Secured Credit Visa.

    You can expect limited rewards or benefits with these cards. However, using them responsibly—like making timely payments—can improve your credit score. If you’re focused on long-term growth, a secured option may be your best bet.

    Finally, explore both secured and unsecured credit card options to find what best suits your needs and helps improve your credit standing.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    Should I Become An Authorized User If I Want To Boost My 'Good' Credit Score

    Yes, you should consider becoming an authorized user if you want to boost your good credit score. When you become an authorized user on someone else's credit card, you benefit from their positive credit history. This includes their timely payments and low credit utilization, which can significantly increase your score.

    Choosing the right primary account holder is crucial. You want someone with a high credit score and a strong history of on-time payments. If the primary account holder has a negative credit history, it could hurt your score instead. Make sure the credit card issuer reports authorized user activity to the credit bureaus; otherwise, you won't see any benefits.

    Many people see their credit scores improve after becoming an authorized user. For example, studies show that individuals with lower credit scores can experience an improvement of nearly 11% shortly after being added. This strategy works well for those new to credit or looking to recover from past mistakes. Remember, as an authorized user, you have access to the card but are not responsible for paying the bill.

    Big picture: If you want to enhance your credit history and score, becoming an authorized user on a responsible credit card can be a smart move. Just select the right account holder and stay informed about the credit reporting practices.

    Which Negative Marks On My Credit Report Affect My 675 Credit Score?

    Negative marks on your credit report can affect your 675 credit score, and it's essential to understand which ones have the most significant impact. Here are the key factors:

    • Late Payments: When you pay your bills late, especially after 30 days, your score drops. The longer you wait, the worse it gets, with delays over 60 or 90 days causing more damage.

    • Missed Payments: If you miss payments, those marks can stay on your report for up to 7½ years. The more missed payments you have, the more your score decreases.

    • Collections: An account sent to collections stays on your record for 7 years and can inhibit your ability to secure loans.

    • Repossessions: When a lender reclaims your property, it remains on your record for 7 years, lowering your score.

    • Charge-Offs: If creditors write off your debt as uncollectible, this negative mark lasts for 7 years.

    • Bankruptcy: Filing for bankruptcy is severe; it can stay on your report for 7 to 10 years, depending on the type.

    • Foreclosure: Losing a home to foreclosure can hurt your score for 7 years.

    To improve your score, make timely payments and reduce your overall debt. Regularly check your credit reports for accuracy, and dispute any errors directly with the credit bureaus to potentially remove unjust negative marks.

    Overall, focus on making payments on time and addressing any inaccuracies on your credit report to build a healthier credit score.

    Should I Negotiate And Pay Off Debts To Improve My 'Good' Credit Score?

    You should carefully consider whether to negotiate and pay off debts to improve your good credit score. Settling a debt might seem helpful, but it can hurt your credit score in the short term. When you negotiate for a lower payment, the creditor changes the status on your credit report to "settled," indicating that you didn’t meet the original payment terms, which can negatively impact your score.

    Paying off debts is generally positive, but if you settle for less than you owe, your score may drop. Creditors might report your account as delinquent before settling, further damaging your score. This process can take years, and you may incur additional fees and interest. Remember, creditors aren’t required to accept your settlement offers.

    If you pay off debts fully, it can help maintain or even improve your score, especially if the accounts remain with the original lenders. Since your credit score is already 'good,' you might achieve better results by focusing on making on-time payments and keeping your credit utilization low.

    We advise you to weigh the potential short-term damage to your credit against your long-term financial health. Sometimes, avoiding debt collection while seeking guidance from a nonprofit credit counseling agency can be a better option. This approach allows you to manage your debts without significantly impacting your credit score.

    As a final point, think about your choices carefully. Consider keeping up your on-time payments and low credit utilization to maintain your good score while avoiding complicated settlement processes.

    Best Site To Monitor My Credit Report?

    To monitor your credit report effectively, you should consider these reputable sites:

    • NerdWallet: You get free credit score updates, alerts for changes, and tools to educate yourself about your credit health. You can check your credit report from TransUnion and receive your VantageScore 3.0. They help you understand what affects your score.

    • Experian: You can sign up for a free monitoring service without needing a credit card. Experian offers real-time alerts for new inquiries and account changes on your Experian credit report. Plus, you can use Experian Boost® to improve your credit score by adding positive payment history.

    • CreditWise from Capital One: This free service is available to everyone, not just Capital One customers. It features dark web scanning and allows you to monitor your credit score without a credit card requirement.

    • AnnualCreditReport.com: You can access your credit reports from Equifax, Experian, and TransUnion once a year for free. However, it does not include your credit score.

    When you choose a site, think about your monitoring needs. If you require detailed insights and frequent updates, NerdWallet and Experian are solid options. If you want basic monitoring at no cost, CreditWise provides useful features too.

    To put it simply, you can effectively monitor your credit report by utilizing services like NerdWallet, Experian, or CreditWise, depending on your specific needs and preferences.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    Should I Consider A Credit Builder Loan W/ 'Good' Credit?

    Your good credit score means considering a credit builder loan can be beneficial, but it's not essential. Credit builder loans target individuals with limited credit history to improve scores through consistent, on-time payments. Since you already have a good score, you likely have other ways to build credit.

    Here are some key aspects to consider:

    • Proven Payment History: A credit builder loan requires you to make monthly payments, which helps build your credit history. Timely payments demonstrate to lenders that you can manage credit well.

    • Access to Funds: With a credit builder loan, the funds are deposited into a savings account and remain inaccessible until the loan is paid off. This can help you save, although it might not fit everyone’s financial situation.

    • Credit Improvement: Since payment history accounts for 35% of your credit score, if you're confident in making consistent payments, a credit builder loan can provide a slight boost.

    • Alternative Options: If you're already established, consider other credit-building methods. Becoming an authorized user on someone else's account or applying for a secured credit card are excellent alternatives.

    In short, if you want to enhance your credit profile further and can manage the payments without financial strain, a credit builder loan may be worth it. Remember to explore related topics, like negotiating debts and improving credit scores, which can also be beneficial.

    Is A 675 Credit Score Different Between Fico And Vantage

    Yes, a 675 credit score differs between FICO and VantageScore models. Both scoring systems use similar information but weigh factors differently.

    FICO scores range from 300 to 850. A score of 675 is in the "good" category, indicating you are a reliable borrower. VantageScore also ranges from 300 to 850, categorizing a score of 675 as "fair." This distinction means that lenders may view your creditworthiness differently depending on the scoring model they use.

    Each model treats your credit history differently. FICO typically requires a longer credit history to generate a score, while VantageScore can calculate scores using data from just one month. You might have a VantageScore available even if you don’t have a FICO score.

    Understanding these differences is crucial when applying for loans or credit. You should check which model lenders use to prepare for different interpretations of your score.

    To finish, be aware that a 675 credit score can mean different things depending on whether it’s FICO or VantageScore. Knowing this helps you navigate your credit more effectively.

    Does My 675 Credit Score Affect My Chance To Rent An Apartment?

    Yes, your 675 credit score affects your chance to rent an apartment. Generally, a score of 675 is considered good, as credit scoring companies like FICO® view scores above 670 positively. However, not all landlords rely solely on credit scores.

    Landlords typically perform a tenant background check that includes your credit score, but they also look at factors such as your income and rental history. With a 675 credit score, you likely have a strong chance of approval, especially if you can provide proof of stable income and good rental references.

    Keep in mind that some landlords prioritize your overall financial situation over just your credit score. To boost your chances, present evidence of responsible financial management. Consider sharing recent pay stubs or bank statements to demonstrate your ability to pay rent.

    In essence, maintain confidence in your 675 credit score, showcase your financial stability, and present proof of your ability to meet rental obligations to enhance your chances of securing an apartment.

    Can A Credit Repair Company Actually Boost My 'Good' Score Any Further

    Yes, a credit repair company can boost your good credit score further, but several factors matter. These companies work to fix errors, inaccuracies, or negative items in your credit report that may hinder your score. If your credit history is already clean, you might not see significant improvements.

    Legitimate credit repair services help you dispute incorrect information, which you can also do on your own. They analyze your credit report, pinpoint issues, and guide you through the dispute process. This can be beneficial if you feel overwhelmed or lack the time to manage it yourself.

    Be careful when choosing a credit repair company. Some may promise unrealistic results, like guaranteeing the removal of negative items, which they cannot legally do if the information is accurate. Seek out a reputable company that clearly outlines its fees and processes.

    While hiring a service saves you time, your score might not increase dramatically if your credit report is already in good shape. To maintain any improvements, focus on your good credit habits.

    To wrap up, hiring a credit repair company can help you address inaccuracies and potentially boost your score. However, do your research, remain proactive, and keep practicing good credit habits to ensure lasting benefits.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    Privacy and Cookies
    We use cookies on our website. Your interactions and personal data may be collected on our websites by us and our partners in accordance with our Privacy Policy and Terms & Conditions