Who Has a 675 Credit Score?

While age isn't a direct factor in credit scoring, there is a clear correlation between age and average scores. According to a generational breakdown from 2023, scores tend to increase as people get older, largely due to longer credit histories and more established payment records.

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

Credit Cards With a 675 Credit Score

A credit score of 675 places you in the "fair" credit range, which is a decent starting point for getting a credit card. While you'll likely qualify for a variety of cards, you may not have access to the most premium options with the best rewards or lowest interest rates. Lenders might also offer you a lower credit limit or a higher APR until you demonstrate a longer history of responsible credit use.

‍

Kudos can help you find the right card with its AI-powered tools that provide personalized recommendations based on your preferences and financial goals. The platform also offers features to help you understand how a new card might impact your credit and whether its benefits justify any annual fees.

Auto Loans and a 675 Credit Score

A 675 credit score places you in the "prime" borrower category, giving you a strong chance of approval for an auto loan. While you won't get the rock-bottom interest rates reserved for those with super-prime credit, you can still expect to receive competitive offers from most lenders.

• Super-prime (781-850): 5.25% for new cars and 7.13% for used cars, according to a 2025 analysis.
• 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 675 Credit Score

With a 675 credit score, you're in a good position to qualify for several types of home loans. This score generally meets the minimum credit score requirements for conventional, FHA, VA, and USDA mortgages. While jumbo loans often demand a score of 700 or higher, a 675 gives you access to the most common financing options available to homebuyers.

‍

However, your score will directly influence your loan's cost. Lenders reserve their best interest rates for applicants with scores of 740 or higher. With a 675, you can expect to pay a higher interest rate and potentially higher private mortgage insurance (PMI) premiums than someone with excellent credit, increasing your monthly payment.

What's in a Credit Score?

Figuring out what goes into your credit score can feel like trying to solve a complex puzzle, but the number is generally derived from a few key factors in your financial history.

• Your payment history is the most significant factor, reflecting whether you pay your bills on time.
• Credit utilization measures how much of your available credit you are currently using.
• The length of your credit history considers the age of your oldest and newest accounts, as well as the average age of all your accounts.
• Your credit mix looks at the different types of credit you have, such as credit cards, mortgages, and installment loans.
• New credit inquiries and recently opened accounts can also temporarily impact your score.

How to Improve Your 675 Credit Score

Improving your credit score is an achievable goal that requires consistent, positive financial habits. With a 675 FICO® score already in the "good" range, a few strategic moves can help push you toward "very good" or "excellent" status using proven methods.

• Monitor your credit reports. Regularly checking your reports helps you spot and dispute any inaccuracies that could be artificially holding your 675 score down. This also allows you to track your progress as you work to climb into the next credit score tier.
• Lower your credit utilization ratio. This ratio is a major factor in your score, so keeping your balance well below 30% of your limit can provide a significant boost. For a 675 score, actively managing utilization is one of the fastest ways to see improvement and reach the 700s.
• Set up automatic bill payments. Your payment history is the single most important component of your credit score, so even one late payment can cause a drop. Automating payments ensures you maintain a perfect record, which is essential for building on your good score and moving it higher.
• Become an authorized user. Being added to an account with a long, positive history can add a seasoned tradeline to your credit file. This can improve your average age of credit and lower your overall utilization, both of which can help elevate your 675 score.

Let Kudos help you make smarter credit card choices to maximize your rewards as you improve your score.