What is a 660 credit score?

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A credit score is a numerical representation of an individual’s creditworthiness. It is a measure of how likely a person is to repay their debts based on their credit history. One commonly used credit scoring model is the FICO score, which ranges from 300 to 850. A 660 credit score falls within the fair credit range. In this article, we will explore what a 660 credit score means, how it is calculated, and its implications for individuals.

Understanding Credit Scores

Credit scores are calculated using various factors, including payment history, credit utilization, length of credit history, types of credit used, and new credit applications. These factors are weighted differently, and the resulting score helps lenders assess the risk associated with lending money to an individual.

What is a 660 Credit Score?

A credit score of 660 is considered fair and falls in the middle range of credit scores. While it is not a bad credit score, it may limit an individual’s access to certain financial opportunities. Lenders may view a 660 credit score as an indication of moderate risk, which can affect loan approvals and interest rates.

Implications of a 660 Credit Score

1. Loan Approvals: With a 660 credit score, individuals may find it more challenging to obtain loans, especially those with more favorable terms. Lenders may consider them as moderate-risk borrowers and may require additional documentation or collateral to approve a loan.

2. Interest Rates: Individuals with a 660 credit score may be offered loans with higher interest rates compared to those with excellent credit scores. This is because lenders compensate for the perceived risk by charging higher interest rates.

3. Credit Card Applications: While individuals with a 660 credit score may still be eligible for credit cards, they may not qualify for cards with the most favorable terms, such as low interest rates or generous rewards programs. They may be offered cards with higher interest rates or lower credit limits.

4. Housing and Rental Applications: When applying for a mortgage or rental property, a 660 credit score may limit options. Some landlords and mortgage lenders may require a higher credit score or charge higher security deposits to mitigate the perceived risk.

5. Insurance Premiums: Insurance companies often consider credit scores when determining premiums. Individuals with a 660 credit score may face higher insurance rates compared to those with higher scores.

Improving a 660 Credit Score

If you have a 660 credit score and want to improve it, there are several steps you can take:

1. Pay Bills on Time: Consistently making timely payments is crucial for improving your credit score. Set up payment reminders or automatic payments to avoid missing due dates.

2. Reduce Credit Utilization: Aim to keep your credit utilization ratio below 30%. This means using no more than 30% of your available credit limit. Paying down existing debts can help lower your credit utilization.

3. Avoid New Credit Applications: Limit the number of new credit applications you make, as each application can result in a hard inquiry on your credit report, which can temporarily lower your score.

4. Review Your Credit Report: Regularly check your credit report for errors or inaccuracies that could be negatively impacting your score. Dispute any errors you find with the credit bureaus.

5. Build a Positive Credit History: If you have limited credit history, consider opening a secured credit card or becoming an authorized user on someone else’s credit card to start building a positive credit history.


A 660 credit score falls within the fair credit range and may have implications for loan approvals, interest rates, and access to financial opportunities. However, it is possible to improve a 660 credit score by practicing good credit habits and being responsible with credit.


– Experian: www.experian.com
– Equifax: www.equifax.com
– TransUnion: www.transunion.com