Credit Score 670: Good — What You Qualify For
670
Good
670–739 range
Avg CC APR
22.4%
Auto Loan (new)
7.12%
Mortgage Rate Est.
8.30%
Extra/mo vs 760+ score
+$308
on $300k mortgage
What a 670 Score Means for Your Finances
Most loans available; not best rates. At 670, you'll qualify for most loans but won't receive the best available rates.
How to Reach Exceptional (800+)
You need 130 more points to enter the Exceptional tier. The fastest levers: paying down credit card balances (utilization), making 100% on-time payments for 6+ months, and disputing any errors on your credit report. Realistic timeline: 3–12 months depending on starting point.