Who Has a 670 Credit Score?

While age isn't a direct factor in credit score calculations, there's a clear trend: scores tend to rise as people get older. This is often due to factors like a longer credit history and more experience managing different types of credit. According to 2023 Experian data, the average FICO score breaks down by generation as follows:

• Generation Z (ages 18-26): 680
• Millennials (ages 27-42): 690
• Generation X (ages 43-58): 709
• Baby Boomers (ages 59-77): 745
• Silent Generation (ages 78+): 760

Credit Cards With a 670 Credit Score

A credit score of 670 places you squarely in the "good" credit range, which is great news for your credit card prospects. This means you'll likely qualify for a variety of cards, from cash-back and travel rewards cards to balance transfer options. However, you may not be approved for the most elite cards with premium benefits and the lowest interest rates, which are typically reserved for those with excellent credit.

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Kudos offers AI-powered tools like the Explore Tool and Dream Wallet, which analyze your preferences and spending habits to provide personalized card recommendations from a database of nearly 3,000 options. These tools also offer insights into how a new card could impact your credit score and whether its annual fee makes sense for your financial situation, helping you choose wisely.

Auto Loans and a 670 Credit Score

A 670 credit score places you in the "prime" borrower category, meaning you have a good chance of being approved for an auto loan. While you can expect to secure financing, your interest rates will be higher than those offered to applicants with top-tier credit scores.

According to a 2025 guide, here are the average rates for new and used car loans by credit score bracket:

• Super-prime (781-850): 5.25% for new cars and 7.13% for used cars.
• Prime (661-780): 6.87% for new cars and 9.36% for used cars.
• Non-prime (601-660): 9.83% for new cars and 13.92% for used cars.
• Subprime (501-600): 13.18% for new cars and 18.86% for used cars.
• Deep subprime (300-500): 15.77% for new cars and 21.55% for used cars.

Mortgages at a 670 Credit Score

A 670 credit score is considered 'good' and generally qualifies you for most mainstream mortgages. With this score, you are likely eligible for conventional, FHA, VA, and USDA loans, giving you a solid range of options. However, you may not qualify for a jumbo loan, as lenders typically require a score of 700 or higher for those larger mortgages, according to one guide.

While a 670 score opens doors, it will impact your loan's terms. You will not secure the lowest interest rates, which are reserved for applicants with excellent credit scores of 740 or more. This means you will likely pay more in interest over the life of the loan compared to top-tier borrowers. For conventional loans, you may also face higher private mortgage insurance (PMI) premiums.

What's in a Credit Score?

Figuring out what goes into your credit score can feel like trying to solve a complex puzzle, but it generally boils down to a handful of key factors.

• Your payment history tracks whether you've paid past credit accounts on time.

• Credit utilization is the percentage of your available credit that you're currently using.

• The length of your credit history considers the age of your oldest account, newest account, and the average age of all your accounts.

• Credit mix refers to the variety of credit products you have, such as credit cards, retail accounts, installment loans, and mortgages.

• New credit accounts for how many new accounts you've recently opened and the number of hard inquiries on your report.

How to Improve Your 670 Credit Score

Improving your credit score is an achievable goal that relies on consistent, positive financial behaviors. With a 670 score, you're on the cusp of good credit, and taking a few strategic steps can help push you into a higher, more favorable range.

• Monitor your credit reports. Regularly checking your reports from all three bureaus allows you to spot and dispute any inaccuracies that might be holding your score back. Correcting errors is a direct way to remove negative items that can suppress a borderline score like 670.
• Establish automatic bill payments. Since payment history is the most significant factor in your score, setting up automatic payments ensures you never miss a due date. A single late payment can cause a significant drop, so this simple step is crucial for protecting and improving your 670 score.
• Reduce your credit utilization ratio. High credit card balances are a common reason for scores in the 600s, so lowering your utilization below 30% can provide a quick boost. This shows lenders you can manage credit responsibly, which is a key factor in moving from a fair to a good credit rating.
• Become an authorized user. Piggybacking on a credit card account that has a long, positive payment history can help improve your own score. This adds the account's good standing to your credit file and can increase the average age of your credit history, both of which are beneficial.

You can also use a free tool like the Kudos browser extension to help you make smarter credit card choices while you work on building your score.