The Dime Daily

Is a 670 Credit Score Good?

Updated 2026 · FICO Score 8 scale · U.S. average: 714

Yes — 670 is the entry point to the 'good' credit score range (670–739) as defined by FICO.

FICO bucket: Good (670–739)

Skip the fluff — TL;DR

670 unlocks conventional mortgages, competitive auto loans, and most mainstream rewards credit cards. You're right at the threshold — you've crossed into good credit, but another 30–70 points opens significantly better rates and premium card options.
FICO RangeCategoryYour score
800–850Exceptional
740–799Very Good
670–739Good670 ← you
580–669Fair
300–579Poor

What a 670 credit score gets you

🏠 Mortgage

Conventional mortgage approval is now accessible (most lenders require 620–640+, with 670 being comfortable). You'll have more lender options than at 650 and better rates, though you're not yet in the top-tier pricing bucket.

Typical rate: ~6.5–7.2% (30-year fixed)— estimate, varies by lender, LTV, and loan type

🚗 Auto Loan

You've entered the 'prime' tier for many auto lenders. Rates improve noticeably from the 640–660 range.

Typical rate: ~6–10% APR

💳 Credit Cards

Most mainstream rewards cards are now accessible — Chase Freedom Flex, Citi Double Cash, American Express Blue Cash Everyday, and comparable cards. Premium travel cards (Sapphire Preferred, Amex Gold) may require 700+.

🏢 Apartment Rental

Approved at most properties. Most automated screening systems approve at 670+ without additional requirements.

How 670 compares to the U.S. average

The U.S. average FICO is 714. At 670, you're 44 points below average but now in the 'good' category. The average American has good credit; you've just joined that group. Another 44 points puts you at exactly average.

U.S. average (714)670
300 (min)714 avg850 (max)

How to improve a 670 credit score

  1. 1

    Get utilization below 10% overall and per card — this alone can move you 10–30 points.

  2. 2

    Don't apply for new credit unless necessary. Each hard inquiry costs 5–10 points.

  3. 3

    Let existing accounts age — 7+ years on an account is meaningfully better than 2–3 years.

  4. 4

    If you have any collections or late payments, negotiate pay-for-delete or write goodwill letters.

  5. 5

    Target 700+ as your next milestone — you'll see meaningfully better rates there.

💰 Dime's Take

670 is one of the most important credit milestones. Crossing from 'fair' to 'good' at 670 is the difference between getting conventional mortgage approval and being stuck with FHA, and it's the difference between 'nonprime' and 'prime' auto loan rates. The next milestone is 740 — the 'very good' threshold where rates start to look near-optimal.

Nearby credit scores

Is 620 a good credit score?Is 650 a good credit score?Is 680 a good credit score?Is 700 a good credit score?Is 720 a good credit score?

Frequently asked questions

Yes — 670 is the entry point to the 'good' credit score range (670–739) as defined by FICO. FICO defines "good" credit as 670–739. Good credit (670–739) falls within or above that range, meaning you have access to most mainstream financial products at competitive rates.

With a 670 credit score: Mortgages — Conventional mortgage approval is now accessible (most lenders require 620–640+, with 670 being comfortable). You'll have more lender options than at 650 and better rates, though you're not yet in the top-tier pricing bucket. Auto loans — You've entered the 'prime' tier for many auto lenders. Rates improve noticeably from the 640–660 range. Credit cards — Most mainstream rewards cards are now accessible — Chase Freedom Flex, Citi Double Cash, American Express Blue Cash Everyday, and comparable cards. Premium travel cards (Sapphire Preferred, Amex Gold) may require 700+. Apartment rentals — Approved at most properties. Most automated screening systems approve at 670+ without additional requirements.

Get utilization below 10% overall and per card — this alone can move you 10–30 points. Don't apply for new credit unless necessary. Each hard inquiry costs 5–10 points. Let existing accounts age — 7+ years on an account is meaningfully better than 2–3 years. If you have any collections or late payments, negotiate pay-for-delete or write goodwill letters. Target 700+ as your next milestone — you'll see meaningfully better rates there.

The U.S. average FICO is 714. At 670, you're 44 points below average but now in the 'good' category. The average American has good credit; you've just joined that group. Another 44 points puts you at exactly average.

FICO scores range from 300 to 850. The five ranges are: Poor (300–579), Fair (580–669), Good (670–739), Very Good (740–799), and Exceptional (800–850). Most lenders use FICO scores, though some use VantageScore which uses the same 300–850 range with slightly different cutoffs.
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