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Is a 665 FICO Score Considered Good?

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For a score with a range of 300 to 850, a credit score of 670 to 739 is considered good. Credit scores of 740 and above are very good while 800 and higher are excellent.

For credit scores that range from 300 to 850, a credit score in the mid to high 600s or above is generally considered good. A score in the high 700s or 800s is considered excellent. About a third of consumers have FICO® ScoresΘ that fall between 600 and 750—and an additional 48% have a higher score. In 2023, the average FICO® Score in the U.S. was 715.

Lenders use their own criteria for deciding whom to lend to and at what rates. But a higher credit score can generally help you qualify for a credit card or loan with a lower interest rate and better terms. The two main types of credit scores, the FICO® Score and VantageScore® credit scores, vary slightly in their ranges but have similar scoring factors.

A FICO score of 665 falls right on the border between being considered a “fair” and a “good” credit score. Whether it’s good or not largely depends on the context and your personal financial goals. Let’s take a closer look at what a 665 credit score means and how you can potentially improve it.

What is a Good FICO Credit Score?

FICO scores range from 300 to 850. In general scores are grouped into the following categories

  • 800-850: Exceptional
  • 740-799: Very Good
  • 670-739: Good
  • 580-669: Fair
  • 300-579: Very Poor

So a FICO score of 665 is right on the cusp between “Fair” and “Good”. It’s better than 65% of Americans, which is decent, but lower than the average score of 714.

For many lenders, a score of 670 and above is considered “good” while anything lower may face higher interest rates or reduced approval odds But every lender is different.

What Can You Do with a 665 FICO Score?

A 665 FICO score gives you some borrowing options, but less favorable terms compared to someone with a score in the “Good” or “Very Good” ranges.

Mortgages

  • May be approved but require a larger down payment
  • Interest rates likely 0.5% – 1% higher than those with 700+ scores

Auto Loans

  • Approval is possible but not guaranteed
  • May need to provide a larger down payment
  • Interest rates likely 2% – 4% higher than those with 700+ scores

Credit Cards

  • Approval is possible for many cards marketed to those rebuilding credit
  • Higher likelihood of denial for premium travel rewards cards

Personal Loans

  • Approval possible but may depend on other factors like income
  • Interest rates likely on the higher end

While it’s not impossible to get approved with a 665 score, you will likely face more hurdles than applicants with higher scores. Building your score should expand your options.

How to Improve a 665 FICO Score

Here are 5 tips to improve a 665 credit score:

  1. Pay all bills on time. Payment history is the biggest factor in your score. Set up autopay or reminders to avoid late payments.

  2. Lower credit utilization. Owing more than 30% of your limit on cards can hurt your score. Pay down balances and request credit line increases.

  3. Check credit reports for errors. Dispute any inaccurate information to boost your score.

  4. Mix up credit types. Having installment loans and credit cards can help demonstrate responsible use of diverse credit.

  5. Give it time. Improving poor credit takes patience. But keeping old accounts open and making on-time payments will steadily raise your score.

With consistent, positive habits, you can likely push your 665 score solidly into the “Good” zone within 12 months. Be patient, stick to healthy behaviors, and monitor your progress.

Is a 665 FICO Score Good or Bad Overall?

Whether a 665 credit score is “good” depends on each person’s financial situation and goals. It indicates some past credit struggles but also offers opportunity for improvement.

For most people seeking the best rates, a 665 FICO score leaves room to grow. But it’s also significantly higher than over half of Americans. If you stay diligent, it can be a score to build upon rather than be discouraged by. Monitor your progress, and a 665 score today could be 700+ before you know it.

is 665 a good fico score

What Is a Good Credit Score to Buy a Car?

While there isnt a set minimum credit score to buy a car, a VantageScore credit score of 661 or higher could be a good score. Youll generally qualify for better auto loan terms as your score increases.

Auto lenders view low credit scores as a sign of risk, so an applicant with poor or fair credit will pay more in interest and might receive a lower loan limit. If you dont have a good score, try to improve your credit before you buy a car.

Learn more: Average Car Loan Interest Rates by Credit Score

Why There Are Different Credit Scores

There are many different credit scores because credit scoring companies continually update and sell their scores to lenders.

Lenders use credit scores to make lending and account management decisions, such as who to approve and whether to change your credit limit. For the most part, lenders can choose which model they want to use.

FICO and VantageScore create and sell different credit scoring models, and both companies periodically release new versions of their credit scores—similar to how a software company might offer a new operating system.

The latest scoring models might incorporate technological advances or changes in consumer behavior. Lenders can then decide to upgrade to a newer model, or to stick with the older version thats already integrated into their systems and processes.

Is 665 Credit Score Good? – CreditGuide360.com

FAQ

Can I buy a house with a 665 credit score?

What Is a Realistic Credit Score to Buy a House? A realistic credit score range to buy a house generally falls between 620 and 700.Oct 28, 2024

What can a 665 credit score get you?

You can get a mortgage with a 665 score, but lenders may require a larger down payment or charge higher rates. To improve your odds: Save for a Larger Down Payment: This can make you a more attractive borrower. Reduce Existing Debt: Lowering your debt-to-income ratio can result in better loan terms.

How long does it take to go from a 650 credit score to 700?

What credit score is needed for a $250000 house?

What credit score do I need to buy a $250,000 house? You can buy a $250,000 house with a wide range of credit scores, from as low as 500 to as high as 800+.Mar 19, 2025

What does a 665 credit score mean?

A fair credit score is generally middle of the road — not poor, but not good or excellent, either. With fair credit scores, you may find it difficult to get approved for certain credit cards or loans with favorable terms and rates.

What is a 665 FICO ® score?

A 665 FICO ® Score is a good starting point for building a better credit score. Boosting your score into the good range could help you gain access to more credit options, lower interest rates, and reduced fees.

What is the best credit card for a 665 credit score?

The best type of credit card for a 665 credit score is a card with low fees and either rewards or a low APR promotion. You should compare credit cards with rewards if you plan to use your card for everyday purchases that you can pay off by the end of the month.

How do I improve a 665 credit score?

Best Way to Improve a 665 Credit Score: Apply for a credit card and pay the bill on time every month. Below, you can learn all about what you can and cannot do with a 665 credit score, the types of people who have 665 credit scores and the steps you can take to put more points on the board.

Can you get a mortgage with a 665 credit score?

Around 25% to 30% of first mortgages go to borrowers with credit score below 700, depending on the year, so you should be able to finance your home purchase. Student loans are some of the easiest loans to get with a 665 credit score, seeing as more than 60% of them are given to applicants with a credit score below 700.

What is a good FICO score?

Consumers with FICO ® Scores in the good range (670-739) or higher are generally offered significantly better borrowing terms. The average FICO ® Score is 714, somewhat higher than your score of 665, which means you’ve got a great opportunity to improve. 70% of U.S. consumers’ FICO ® Scores are higher than 665.

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