Is 670 a good credit score for a 23-year-old?

Yes, 670 is a good credit score for any age group, including 23-year-olds. It will help you get more favorable borrowing terms, such as lower interest rates and larger credit and loan amounts. It can also help improve your chances of landing a better-paying job.

How do I get my credit score from 670 to 700?

You can raise your credit score to 700 and beyond by continuing to pay your bills on time, limiting the amount of credit you’re using, leaving older accounts open to lengthen your credit history, and checking your credit reports regularly for errors.

How long does it take to raise your credit score from 670?

It can take weeks or longer to raise your credit score from 670. Credit is built over time, so practice good spending and credit-building habits, and exercise patience. You will eventually be rewarded for following the steps outlined above.

Can I get a mortgage with a 670 credit score?

Yes, you can get a mortgage with a 670 credit score, though your interest rate and loan amount won’t be as favorable as they are for people in the very good and excellent ranges. Still, you’ll get good loan terms if the other variables line up, like your employment status, income, and mortgage amount.

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About the Author

Bob Phillips

Written by: Bob Phillips

Financial advisor and content writer

Bob has 15 years of experience as as a financial advisor/trainer/agency manager for several major financial services companies. He earned numerous awards for personal production and agency leadership during his financial career.

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