Is 685 A Good Credit Score

Is 685 a good credit score? I know you probably have known about the various credit score ranges, but the question right now is if a credit score of 685 is good. Well, it might interest you to know that a FICO Score of 685 falls directly within the range of 670 to 739 and it is categorized as Good. the average US FICO Score of 714 as you should know falls within the Good range also.

Is 685 A Good Credit Score

Is 685 A Good Credit Score

A credit score of 685 is considered to be fair or average. Credit scores as generally known typically range from 300 to 850, with higher scores however showing better creditworthiness. While a score of 685 is not bad, it may limit your access to certain financial products and could result in higher interest rates or less favorable terms compared to someone with a higher score.

Lenders in the industry make use of credit scores to in assessing the risk of lending money to individuals. Factors such as payment history, credit utilization, length of credit history, credit mix, and new credit applications contribute to your credit score. If you have a score of 685, it suggests that there may be room for improvement in your credit profile.

To work towards a higher credit score, you can focus on making timely payments, keeping credit card balances low, minimizing new credit applications, and maintaining a diverse mix of credit types. Over time, responsible financial habits can help you raise your credit score and improve your overall creditworthiness.

What Does a Credit Score of 685 Mean

A credit score of 685 generally falls within the fair or average range. While specific credit scoring models may vary slightly, the following general breakdown can give you an idea of what a 685 credit score means:

  • Excellent: 800 and above
  • Very Good: 740-799
  • Good: 670-739
  • Fair/Average: 580-669
  • Poor: 300-579

With a credit score of 685, you are considered to have fair credit. This means that you may encounter some challenges when applying for credit or loans, and you may not be offered the most favorable interest rates or terms. Lenders may view you as a moderate risk, and they may require additional documentation or collateral before approving your application.

While a 685 credit score is not considered bad, it’s still advisable to work towards improving your credit. By practicing responsible financial habits, such as making timely payments, keeping your credit utilization low, and managing your debts effectively, you can gradually raise your credit score over time. A higher credit score can provide you with better access to credit and more favorable borrowing terms.

What Can I Get With a Credit Score Of 685

With a credit score of 685, you may still be eligible for a variety of financial products and services, but the specific options and terms available to you may be somewhat limited compared to individuals with higher credit scores. Here are some possibilities:

Credit Cards

You may qualify for credit cards, including some with rewards or cashback programs. However, you might not be eligible for premium credit cards with the most attractive benefits and low-interest rates. You may also encounter higher interest rates and lower credit limits.


You can still be considered for personal loans, auto loans, or mortgages, but you might face higher interest rates. Some lenders may require a cosigner or collateral to mitigate the perceived risk.

Apartment Rentals

Landlords often conduct credit checks before approving lease applications. With a credit score of 685, you may still be able to rent an apartment, but some landlords may require a higher security deposit or additional documentation to secure the lease.

Utilities and Services

Utility companies, such as electricity, water, and internet providers, may check your credit when setting up new accounts. With a score of 685, you should generally be able to establish these services without significant issues.


Your credit score might impact your insurance premiums. While a score of 685 is not bad, you may not receive the most competitive rates available. However, other factors, such as your driving history or insurance claims, will also be taken into consideration.

It’s important to note that lending decisions and terms can vary among different lenders, and some lenders may have specific criteria or requirements beyond credit scores. It’s advisable to shop around, compare offers, and explore options from different financial institutions to find the most suitable terms for your circumstances. Additionally, continue working on improving your credit to access better financial opportunities in the future.



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