Who Has a 613 Credit Score?

While age isn't a direct factor in credit score calculations, there is a strong correlation between age and the average score. Data from 2023 shows a clear upward trend as people get older, largely due to factors like a longer credit history and more time to demonstrate financial responsibility. Here is the generational breakdown:

• 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 613 Credit Score

A credit score of 613 places you in the 'fair' credit category, which can be a mixed bag when applying for new credit cards. Lenders may view your application with more caution, often translating to higher interest rates and lower credit limits than those offered to applicants with good or excellent credit. While you can still get approved, your options will likely be geared toward cards for building credit, including secured credit cards that require a security deposit.

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Kudos offers AI-powered tools like its Dream Wallet, which analyzes your spending habits to provide personalized recommendations from a database of nearly 3,000 cards. The platform also provides insights into how different cards may impact your credit score, helping you make an informed decision that aligns with your financial goals.

Auto Loans and a 613 Credit Score

A 613 credit score places you in the non-prime borrower category, which means you can likely still get an auto loan, but you should expect to pay a higher interest rate. Lenders view this score as carrying more risk, which often results in less favorable loan terms compared to what's offered to applicants with stronger credit histories.

According to a 2025 analysis, here is how average auto loan rates break down across the different credit score tiers:

• Super-prime (781-850): 5.25% for new cars and 7.13% for used cars.
• 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 613 Credit Score

With a 613 credit score, your options are limited but not zero. You likely won't qualify for a conventional loan, which usually requires a 620 minimum. However, your score is high enough for an FHA loan. According to loan requirements, FHA programs accept scores of 580 with a 3.5% down payment, making this your most accessible path to homeownership.

Your 613 score will lead to less favorable loan terms. Expect a higher interest rate—borrowers in the low 600s saw average rates around 7.8% in mid-2024, compared to 6.2% for top-tier applicants. You will also face higher mortgage insurance premiums on an FHA loan and stricter underwriting from lenders to offset the risk.

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 generally boils down to a handful of key elements. The most common factors include:

• Your payment history, which tracks whether you pay your bills on time, is the most significant factor.
• Credit utilization, or the amount of credit you're using compared to your total available credit, also plays a major role.
• The length of your credit history demonstrates your experience with managing credit over time.
• Having a healthy mix of different types of credit, such as credit cards and installment loans, can positively impact your score.
• Finally, recent credit inquiries, which occur when you apply for new credit, are also taken into account.

How to Improve Your 613 Credit Score

Having a 613 credit score isn't a permanent setback; with consistent effort and the right strategy, it's always possible to improve your financial standing. By following proven methods, you can begin to build a stronger credit profile.

• Establish automatic bill payments. Since payment history is the single most important factor in your score, automating payments ensures you never miss a due date. This consistency builds a positive track record that credit bureaus reward over time.
• Reduce your credit utilization ratio. Aim to use less than 30% of your available credit, as this shows lenders you can manage your finances responsibly without relying too heavily on debt. Paying down balances or even paying multiple times a month can significantly lower this ratio and boost your score.
• Monitor your credit reports regularly. You can get free reports to check for errors or signs of identity theft that might be unfairly lowering your score. Disputing and removing inaccuracies is one of the fastest ways to see a potential score increase.
• Become an authorized user on another person's account. If you have a trusted friend or family member with a strong credit history, being added to their account can help you. Their positive payment history and low credit utilization will be reflected on your report, which can help build your own credit file.

To help you use your credit cards more strategically while you build your score, consider using the Kudos browser extension to maximize your rewards.