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467 Credit score: What You Need to Know in 2025
July 1, 2025
TL;DR
A 467 credit score offers a clear starting line for building a stronger financial profile, as it falls within the 'Poor' FICO score range. Recognizing where you stand is the crucial first step toward improving your score and accessing more favorable financial products.
What Does a 467 Credit Score Mean?
A credit score of 467 places you in the "poor" category of the FICO Score range, which spans from 300 to 850. Lenders consider scores in this range a sign of high risk, often stemming from a history of significant credit difficulties like late payments or collections. It indicates to creditors that you've had serious trouble managing financial obligations.
Financially, a 467 score can be restrictive. You'll likely face rejections for new credit cards and loans, or approvals with very high interest rates and unfavorable terms. This can also affect things like apartment applications or insurance rates. While this presents considerable hurdles, it's important to know that credit scores are dynamic and can change over time.
Who Has a 467 Credit Score?
While age itself doesn't directly factor into your credit score, data shows a strong correlation, with scores generally improving over time. According to a 2023 analysis, here is the average FICO score broken down by generation:
- 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 467 Credit Score
A credit score of 467 is considered very poor, which can significantly hinder your ability to get approved for a credit card. Most lenders view a score in this range as a high risk, meaning you'll likely face rejection for standard unsecured credit cards. Your options will generally be limited to secured cards that require a cash deposit or certain unsecured cards designed for bad credit, which often come with high fees and interest rates.
Kudos can help you find the best card for your situation with its AI-powered tools, which use your stated preferences and spending habits to match you with suitable options. The platform provides valuable insights on how different cards may affect your credit score, helping you compare options from a database of nearly 3,000 cards to make a responsible choice.
Auto Loans and a 467 Credit Score
A 467 credit score places you in the deep subprime category, which can make securing an auto loan more difficult. While approval is still possible, you should expect to face some of the highest interest rates offered by lenders.
According to a 2025 analysis, average auto loan interest rates vary significantly based on credit score:
- 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 467 Credit Score
A 467 credit score falls below the minimum requirements for nearly all mortgage programs. According to mortgage guidelines, even government-backed FHA loans—the most accessible option for borrowers with poor credit—require a minimum score of 500. With a score in the 400s, your options are extremely limited, and you are unlikely to qualify for a traditional home loan. Your only potential path may be through a specialty or subprime lender, though finding one is rare.
If you manage to find a lender, a low credit score will significantly impact your loan terms. Expect to face much higher interest rates, which can add tens of thousands of dollars to the cost of your loan over time. Lenders will also likely require a substantial down payment of 10% or more and may cap the total amount you can borrow. Your application would undergo a strict manual underwriting process, scrutinizing your income and financial history.
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's primarily based on a handful of key financial habits. The most common factors include:
- Your payment history tracks whether you have 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 and the average age of all your accounts.
- Having a healthy mix of credit types, such as credit cards and installment loans, can positively impact your score.
- Recent credit inquiries and newly opened accounts can temporarily lower your score.
How to Improve Your 467 Credit Score
Your credit score plays a crucial role in your financial life, but even a score in the poor range isn't permanent. With consistent effort and the right strategy, it is possible to improve your creditworthiness using proven methods to build a healthier financial profile.
- Monitor your credit reports. Regularly checking your reports helps you spot and dispute inaccuracies or signs of fraud, which could be unfairly dragging down your score. This also allows you to track your progress as you work to build better credit habits.
- Set up automatic bill payments. Since payment history is the single most important factor in your score, ensuring every bill is paid on time is critical for recovery. Automating payments prevents missed deadlines and starts building a positive track record that lenders want to see.
- Lower your credit utilization. This ratio compares your card balances to your credit limits, and keeping it below 30% can significantly boost your score. For a quick impact, focus on paying down existing balances to show you can manage debt responsibly.
- Become an authorized user. If you have a trusted friend or family member with good credit, being added to their account can add their positive payment history to your file. This can be a fast way to improve your score by leveraging their established credit history.
To help manage your cards and monitor your score as you make these improvements, consider using a tool like the Kudos browser extension.
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