Financial Education
Understanding Your 660 Credit Score
A credit score of 660 is considered fair. Improve it by strengthening your payment history and paying off loans and credit card balances.
Fair credit will mean that finances won’t be the easiest, but they may not be as tough to navigate compared to someone with a bad credit score.
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Key Takeaways for a 660 Credit Score
Overview of Your Rating
A 660 credit score is right in the middle of credit score ranges, it's not super low but not super high either.
Borrowing Options
You’ll have a handful of borrowing options with a 660 score, including secured and unsecured loans.
Improving Your Score
Improving a 660 score is possible! Things like paying your bills on time, paying off debt, and diversifying your credit mix can help.
Is a 660 Credit Score Good?
A 660 score isn’t considered a good credit score, but it’s also not the worst credit score you can have. So it’s right in the middle, falling in the fair range. When it comes to how you look to lenders, you'll look like someone who has made both good and not-the-best decisions with your money.
Pro Tip: Many lenders look beyond just the score. Consistent income and recent payment history can still unlock opportunities.
US Population Credit Score Distribution
25
20
15
10
5
0
300-579
580-669
670-739
740-799
800-850
Check out some of our partners...
Explore financial products tailored for your current credit standing. These partners specialize in helping people rebuild.
Credit Builder Account
Build credit while saving money simultaneously.
No hard credit pull required to apply.
Reports to all three major credit bureaus.
Learn More ›
Lease-to-Own Solution
Flexible lease purchase plans for essential items.
Simple process with instant decisions.
No credit required option available.
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Personal Loans
About 23% of Americans have unsecured personal loans.1 And that shouldn’t be too surprising because these loans are extremely popular. Personal loan options are definitely available for borrowers who have fair credit scores. Lenders you may be able to explore are banks, credit unions, and online lenders.
Bank Loans
With a fair credit score, bank loans are usually also accessible. Many people turn to bank loans because they usually already have a relationship with a bank or similar depository institution, which can make things smoother. A 660 should be okay with small to medium-sized bank loans. However, you’ll have to get through other qualification requirements, such as income.
Credit Cards
Credit cards are a form of revolving credit that can be used for almost any kind of purchase or expense. There are several different kinds of credit cards in the market; some cater to fair credit score borrowers, which means there are options for a 660 score.
Action Plan
Action Plan
Action Plan
How To Maintain Your 660 Credit Score
If you have a fair credit score, the last thing you’ll want is to fall into the bad credit score category! Luckily, there are things you can do to help you maintain your 660 score. These actions may also help you get higher credit scores, which can have even more benefits:
Be Strategic with Your Credit Utilization
Your credit utilization is the ratio between your existing debt, such as credit card debt, loans, etc., against your existing credit limit. Credit utilization is a huge factor that impacts your credit scores, so it’s important to keep that in mind before taking any financial steps.
Keep Revolving Accounts Open
Credit cards are one type of revolving credit account, and these accounts can be closed. This usually happens in two ways. One way is automatic; once these accounts are paid off and not used for a long period of time, they will be closed. You can also close those credit accounts on your own. However, doing so can really hurt your credit utilization because it reduces your credit limit. And so, it is important to keep revolving accounts open.
Make Your Bill Payments on Time
Making timely payments on your bills, especially your credit accounts is crucial to maintaining your FICO score. Even a single late payment can impact your credit history by remaining on your credit report for up to seven years!
Keep Your Debt Low
Your debt impacts several aspects of credit scoring, including your credit utilization and several other factors, like your ability to pay your bills on time. And so, regardless of what credit score tier you are in, keeping your debt low will be extremely helpful for maintaining and improving your credit.
Can I Buy a House With a 660 Credit Score?
One part of the home-buying process is your credit scores. With a 660 score, you may be okay with some mortgage lenders, while others may require a good credit score as a minimum requirement.
Along with your credit scores and credit history, lenders will look at things like your income, employment, debt-to-income ratio, your ability to make a down payment, and more.
And so, as you can see, there are lots of parts with your credit history and FICO score that mortgage lenders will consider.
Along with your credit scores and credit history, lenders will look at things like your income, employment, debt-to-income ratio, your ability to make a down payment, and more.
And so, as you can see, there are lots of parts with your credit history and FICO score that mortgage lenders will consider.
Mortgage Type
Description
Credit Score Requirements
Key Features
FHA Loan
Insured by Federal Housing Administration.
As low as 500 with 10% down.
Lower down payment requirements.
VA Loans
Backed by Dept. of Veterans Affairs.
Typically 620 (varies by lender).
No down payment required; no PMI.
USDA Loans
For homebuyers in rural/suburban areas.
640 for automatic underwriting.
No down payment required.
Disclosure: This table provides estimates; requirements and features can vary by lender and situation.
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