Is A 685 A Good Credit Score? : With Score IQ and Its Legitimacy

Is A 685 A Good Credit Score? : With Score IQ and Its Legitimacy

Is a 685 a good credit score? Many individuals are curious about credit scores and what constitutes a good score. The credit score system, particularly the 685 score, can be confusing for those unfamiliar with it, prompting many to turn to the internet for answers. However , This blog will clarify what a 685 credit score means and explore the legitimacy of Score IQ in helping you understand your credit standing.


Understanding the FICO Score Range

The FICO score, widely used by lenders and financial institutions, ranges from 300 to 850. Scores outside this range are considered poor. More so, The average American credit score is 714, which serves as a benchmark for comparison. Below, we’ll break down what different scores mean and provide insights on improving a 685 score. However, this credit score has been tabulated in a table below to describe what each credit score means for more illustrations:

Credit Score       Credit Ratings     % of  Population

300- 597         Poor                        16%

580-669          Fair                          17%

670-739          Good                        21%

740-799          Very Good               25%

800-850          Exceptional             21%

685 Credit Score: Credit Card and Loan Option

A 685 credit score is classified as “fair.” This impacts your ability to obtain credit cards and loans. However, Here’s a closer look at what a 685 score means for various financial products:

Credit Cards

With a 685 score, getting a credit card may require a security deposit, typically between $500 and $1,000. More so, While it’s possible to obtain a starter credit card from a credit union, these often come with low credit limits and high interest rates. However, To improve your credit score, ensure timely payments and keep your balance below 30% of your credit limit.

Personal Loans

Securing a personal loan with a 685 credit score is challenging, as most lenders prefer higher scores. More so, Some lenders do cater to those with fair credit but at high interest rates, which can lead to long-term debt issues. However, A better option might be a credit builder loan, where the loan amount is placed in a savings account and released upon repayment, helping you build credit.

Home Loans

A 685 credit score meets the minimum requirement for most conventional mortgage lenders, who typically require a score of at least 620. Therefore, the FHA loans are more accessible, requiring a minimum FICO score of 500 for a 10% down payment or 580 for a 3.5% down payment.

Auto Loans

Auto loans are harder to secure with a 685 score and often come with high interest rates. However, Focusing on improving your credit score before applying for an auto loan can save you money in the long run.

Improving a 685 Credit Score

A fair credit score often reflects past credit mistakes. Therefore, Here are some strategies to boost your score:

  1. Dispute Negative Accounts: Obtain your credit reports from Equifax, Experian, and TransUnion. However, you need review and dispute any inaccuracies.

  2. Take Out a Credit Builder Loan: These loans are designed to help rebuild credit. However, The borrowed amount is saved and released upon repayment.

  3. Get a Secured Credit Card: This requires a security deposit and functions like an unsecured card. Therefore, Responsible use can improve your credit score.

  4. Become an Authorized User: Being add as an authorized user on someone else’s credit card can boost your score. However, especially if they have excellent credit.

  5. Report Rent Payments: Rent reporting services can add your timely rent payments to your credit report for a fee, aiding in credit improvement.

Is Score IQ Legit?

Score IQ is a tool designed to help consumers understand and monitor their credit scores. It offers insights and resources for improving credit health. While no tool can guarantee overnight results, Score IQ provides valuable information that can guide you in making informed financial decisions.


A 685 credit score is a fair score, indicating room for improvement. By understanding the factors affecting your score and taking proactive steps, you can enhance your creditworthiness over time. Tools like Score IQ can aid in this journey by offering insights and tracking your progress.

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