Is 680 a good credit score?
Yes — a 680 credit score is in FICO's 'Good' range (670–739) and is generally considered solid. You're in prime territory: you'll qualify for most credit products at competitive rates, though the very best pricing usually starts around 740.
Where 680 falls on the FICO scale
On the 300–850 FICO scale, 680 is in the 'Good' band (670–739). Crossing 670 moves you from 'Fair' to 'Good' — from subprime into prime — which is a meaningful threshold for both approval odds and pricing.
What a 680 score qualifies for
- Most mortgages at competitive rates — comfortably above conventional and FHA minimums.
- Auto and personal loans at prime (not subprime) pricing.
- Mainstream and many rewards credit cards — broad access.
- Better terms than a 'Fair' score, though not the lender's absolute best tier yet.
How to reach 'Very Good' (740+)
You're about 60 points from the 740 threshold where the best rates typically begin. Keep utilization in the single digits, maintain a flawless payment record, and let your average account age grow. Each step toward 740 can lower the rates you're offered.
The numbers
- 670–739 is FICO's 'Good' range; 680 sits comfortably within it. — myFICO
- Borrowers with higher scores typically qualify for lower rates and more loan options. — CFPB
- The average U.S. FICO Score is in the mid-710s, so 680 is near average. — Experian
- HUD's FHA program requires a minimum FICO of 580 for 3.5% down payment loans — a 680 score is 100 points above that floor, opening access to conventional loans and better pricing tiers not available to near-minimum borrowers. — HUD — FHA Credit Requirements
Key takeaways
- 680 is 'Good' and solidly prime — most products at competitive rates.
- Crossing 670 moved you from subprime ('Fair') into prime.
- Best rates usually begin around 740 — about 60 points away.
- Single-digit utilization + perfect payments push you toward 'Very Good.'
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