671 Credit score: What You Need to Know in 2025

Who Has a 671 Credit Score?

According to 2023 data from Experian, the average credit score in the U.S. varies significantly across different generational groups:

• 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 671 Credit Score

A credit score of 671 places you in the "good" credit range, which generally means you'll have a solid chance of being approved for a variety of credit cards. While you may not qualify for the most elite cards offering premium perks and the lowest interest rates, you are seen as a relatively low-risk borrower. Lenders will likely approve your application, but perhaps with a more moderate credit limit and a slightly higher APR than someone with excellent credit.

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Kudos can help you find the perfect credit card by using its AI-powered tools to sift through nearly 3,000 options. By analyzing your unique spending habits or stated preferences, the platform delivers personalized recommendations designed to maximize your rewards and align with your financial goals.

Auto Loans and a 671 Credit Score

A 671 credit score places you in the 'prime' borrower category, meaning you'll likely be approved for an auto loan. According to a recent guide on auto loan rates, while you can expect decent terms, your interest rate will be higher than what's offered to those with 'super-prime' credit.

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

Mortgages at a 671 Credit Score

With a 671 credit score, you are in a good position to qualify for several mainstream mortgage options. According to credit score requirements, this score meets or exceeds the typical minimums for conventional, FHA, VA, and USDA loans. This provides you with multiple financing paths to explore for your home purchase, though it may not be sufficient for a jumbo loan, which often requires a score of 700 or higher.

However, your 671 score will directly impact your loan terms. Lenders reserve the most favorable interest rates for borrowers with excellent credit, typically 740 and above. While you can secure a mortgage, your interest rate will likely be higher, and you may face increased Private Mortgage Insurance (PMI) costs on a conventional loan if your down payment is less than 20%.

What's in a Credit Score?

While the exact formulas used by credit bureaus are proprietary, your score is generally determined by a handful of common 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 are 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, and loans.
• New credit inquiries note how often you apply for and open new accounts.

How to Improve Your 671 Credit Score

Your credit score plays a crucial role in your financial life, but it isn't set in stone; it is always possible to improve your creditworthiness. With consistent effort and the right strategies, you can take control and boost your score using proven methods.

• Monitor Your Credit Reports. Regularly checking your credit reports allows you to spot and dispute inaccuracies that could be unfairly dragging down your 671 score. This also helps you track your progress and ensure your positive actions are being recorded correctly.
• Set Up Automatic Bill Payments. Payment history is the single biggest factor in your credit score, so ensuring every bill is paid on time is non-negotiable. Automating payments prevents costly late fees and the negative marks that can drop your score below the 'good' threshold.
• Lower Your Credit Utilization. Lenders look closely at how much of your available credit you're using, and a high ratio can signal risk. Keeping your balances well below 30% of your limit shows you manage credit responsibly and can significantly lift your 671 score.
• Become an Authorized User. If you have a trusted friend or family member with a long history of on-time payments and low credit utilization, becoming an authorized user on their account can help. Their positive credit habits will be reflected on your report, which can provide a quick boost to your score.

As you work on these habits, using a tool like the Kudos browser extension can help you maximize your credit card rewards and make smarter financial decisions.