Is 684 a good credit score? The answer is a bit nuanced. While it falls within the “fair” credit score range (670-739), it’s just shy of the “good” credit score range (740-799). This means you’ll have access to a variety of credit products, but the terms might not be as favorable as someone with a higher score.
Here’s what you need to know about a 684 credit score:
- It’s a fair credit score, not a good credit score. You’ll need a score of 700 or higher to be classified as having good credit.
- You can still qualify for decent credit cards and loans, but the interest rates may be higher.
- Making slight improvements to your credit can significantly expand your options and lead to substantial savings.
Here’s what you can and cannot do with a 684 credit score:
Can Do:
- Qualify for most unsecured credit cards and personal loans
- Get a home or auto loan, but the interest rates may be higher
- Qualify for some 0% APR credit cards, but the offers may be limited
Cannot Do:
- Qualify for the best credit card and loan rates
- Get approved for all types of credit cards and loans
Here are some tips on how to improve your 684 credit score:
- Pay your bills on time, every time. This is the most important factor in your credit score.
- Keep your credit utilization low. Aim to use less than 30% of your available credit.
- Dispute any errors on your credit report.
- Pay off collections accounts.
- Become an authorized user on a credit card with good credit history.
You can raise your credit score and get better credit card and loan offers by using these suggestions.
Here are some additional resources that you may find helpful:
- WalletHub’s Credit Score Simulator: This tool allows you to see how different actions can impact your credit score.
- Credit Karma: This website provides free credit scores and reports.
- AnnualCreditReport.com: This website allows you to get a free credit report from each of the three major credit bureaus once per year.
Here are some additional thoughts on a 684 credit score:
- A 684 credit score is a good starting point for building good credit.
- With a little effort, you can improve your credit score and unlock better credit card and loan offers.
- There are many resources available to help you improve your credit score.
I believe that everyone can achieve good credit. It just takes time and effort.
P.S. I’m not a financial advisor, so please consult with a professional before making any financial decisions.
P.P.P.S. I’m excited to see what the future holds for me. I hope to continue learning and growing so that I can be even more helpful to others.
What Does a 684 Credit Score Get You?
| Type of Credit | Do You Qualify? |
|---|---|
| Store Credit Card | YES |
| Unsecured Credit Card with No Annual Fee | YES |
| Unsecured Credit Card with Rewards | YES |
| Home Loan | YES |
| Auto Loan | YES |
| Personal Loan | MAYBE |
| 0% Intro APR Credit Card | NO |
Note: While qualifying for a personal loan or credit card may be possible in certain situations, finding a good offer will likely be challenging.
Opinions are our own. This content is not provided, commissioned or endorsed by any issuer.
Popular Credit Cards for a 684 Credit Score
People with credit scores below 700 receive more than 40% of all auto loans. Still, it’s important to compare your auto loan options carefully if you want to get a decent APR.
This Is What Your FICO Score REALLY Means
FAQ
Can I buy a house with a 684 credit score?
Can I buy a car with a 684 credit score?
What is considered an excellent FICO score?
|
FICO Credit Score Ranges
|
|
|
Excellent/Exceptional
|
800-850
|
|
Very good
|
740-799
|
|
Good
|
670-739
|
|
Fair
|
580-669
|
What is a typical FICO score?
Is a 684 FICO ® score good?
A 684 FICO ® Score is Good, but by earning a score in the Very Good range, you could qualify for lower interest rates and better borrowing terms. A great way to get started is to check your credit score to find out the specific factors that impact your score the most and get your free credit report from Experian.
Is 684 a good credit score?
The FICO score range, which ranges from 300 to 850, is widely used by lenders and financial institutions as a measure of creditworthiness. As you can see below, a 684 credit score is considered Good. Most lenders will lend to borrowers with credit scores in the Good range. However, you still have room for improvement.
Can I get a personal loan with 684 credit score?
Most lenders will approve you for a personal loan with a 684 credit score. However, your interest rate may be somewhat higher than someone who has “Very Good” or “Excellent” credit. It’s best to avoid payday loans and high-interest personal loans as they create long-term debt problems and just contribute to a further decline in credit score.
What is a good FICO ® score?
FICO® score ranges vary — either from 300 to 850 or 250 to 900, depending on the scoring model. The higher the score, the better your credit. Let’s take a deeper look at FICO ® score ranges, what’s considered to be a good FICO ® score, and how to improve your credit if your scores fall on the lower end of the scoring spectrum. How’s your credit?