Who Has a 619 Credit Score?

While age isn't a direct factor in credit score calculations, there's a clear trend of scores improving over time. According to 2023 data, here's how average credit scores break 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
• The Silent Generation (ages 78+): 760

Credit Cards With a 619 Credit Score

A credit score of 619 places you in the "fair" credit range, which can be a bit of a mixed bag when applying for new credit cards. While you'll likely find some lenders willing to approve your application, you may not qualify for premium cards that offer the most attractive rewards and lowest interest rates. Your options will often lean towards secured credit cards or unsecured cards specifically designed for individuals looking to build or rebuild their credit history.

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Kudos can help you navigate the crowded credit card market with its AI-powered tools that provide personalized recommendations. By analyzing your spending habits or stated preferences, Kudos matches you with cards that align with your financial goals, whether you're looking to maximize rewards, build credit, or minimize fees.

Auto Loans and a 619 Credit Score

With a 619 credit score, you fall into the non-prime borrower category, meaning you can likely get an auto loan but will face higher interest rates. Lenders view this score as a higher risk, which typically results in more expensive financing and less favorable terms compared to borrowers with better credit.

According to Experian's Q2 2025 data, here is how average auto loan rates break down by credit score:

• 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 619 Credit Score

While a 619 credit score falls just short of the typical 620 minimum for a conventional loan, you still have several mortgage options. You can likely qualify for government-backed programs, particularly an FHA loan, which allows scores of 580 with a 3.5% down payment. Depending on the lender, you might also be eligible for VA or USDA loans, though their requirements can be stricter.

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However, this score will impact your loan terms. Expect to face higher interest rates than borrowers with stronger credit—potentially costing you tens of thousands more over the life of the loan. You may also encounter higher mortgage insurance premiums and fees, as lenders view your application as carrying more 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 factors.

• Your payment history tracks whether you've paid past credit accounts on time.

• Credit utilization is the percentage of your available credit that you're currently using.

• The length of your credit history considers the age of your oldest account, newest account, and the average age of all your accounts.

• Credit mix refers to the variety of credit products you have, such as credit cards, retail accounts, installment loans, and mortgages.

• New credit accounts for how many new accounts you've recently opened and the number of hard inquiries on your report.

How to Improve Your 619 Credit Score

Regardless of your starting point, it is always possible to improve your credit score and take control of your financial future. According to expert guidance, implementing consistent, positive habits can help you boost your 619 score and unlock better opportunities.

• Monitor your credit reports. A 619 score could be dragged down by inaccuracies, and checking your reports allows you to spot and dispute errors that may be harming your credit. Correcting these mistakes is a direct way to improve your score.
• Set up automatic bill payments. Payment history is the most significant factor in your score, so ensuring you never miss a payment is critical for rebuilding from a 619. Automating payments helps you build a positive track record and avoid late payments that can further damage your credit.
• Reduce your credit utilization ratio. High balances on revolving accounts can significantly lower a fair credit score, so aim to keep your usage below 30% of your total available credit. Paying down debt is one of the fastest ways to see an improvement, as it directly impacts the second-most influential scoring factor.
• Become an authorized user. Being added to a trusted friend or family member's credit card account can give your 619 score a lift. Their long history of on-time payments and low credit utilization can be added to your credit file, helping you build credit responsibly.

For personalized recommendations and tools to help you on your journey, Kudos can guide you toward better credit and rewards.