Who Has a 667 Credit Score?

• Generation Z (ages 18-26): The youngest adult generation has an average FICO score of 680, which falls into the 'good' credit range according to Experian data.
• Millennials (ages 27-42): This group has an average score of 690, also considered 'good'.
• Generation X (ages 43-58): With more time to build credit, Gen X has an average score of 709, which is still in the 'good' category.
• Baby Boomers (ages 59-77): This generation's average score jumps to 745, which is on the higher end of the 'good' range.
• Silent Generation (ages 78+): The oldest generation boasts the highest average score at 760, placing them in the 'very good' credit category.

Credit Cards With a 667 Credit Score

A credit score of 667 places you in the "fair" credit range, which is a decent starting point for getting a new credit card. While you'll likely qualify for a variety of cards, you may not have access to the most premium options with the best rewards and lowest interest rates. Lenders might also offer you a lower credit limit or a higher APR until you've demonstrated a longer history of responsible credit use.

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Kudos can help you find the right card with its AI-powered tools that match recommendations to your specific needs and financial goals. Features like the Dream Wallet analyze your actual spending to provide personalized suggestions and offer insights into how a new card might affect your credit score.

Auto Loans and a 667 Credit Score

A 667 credit score places you in the 'prime' borrower category, giving you a strong chance of being approved for an auto loan with a competitive interest rate. For context on where that stands, here are the average auto loan rates across all credit brackets according to Q2 2025 market data:

• 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 667 Credit Score

With a 667 credit score, you have several mortgage options. This score generally meets the minimum requirements for conventional, FHA, VA, and USDA loans. According to mortgage guidelines, a 667 is above the typical 620 threshold for conventional loans and well above the 580 minimum for FHA loans, giving you access to a wide range of products.

However, your score will affect your loan's terms. A 667 is considered moderate-risk, so you won't secure the best interest rates available to borrowers with scores in the 700s. This means a higher monthly payment over the life of the loan. For conventional loans, you can also expect to pay higher private mortgage insurance (PMI) premiums than someone with excellent credit.

What's in a Credit Score?

Figuring out what goes into your credit score can feel like trying to solve a complex puzzle, but the number is generally derived from a few key factors in your financial history.

• Your payment history is the most significant factor, reflecting whether you pay your bills on time.
• Credit utilization measures how much of your available credit you are currently using.
• The length of your credit history considers the age of your oldest and newest accounts, as well as the average age of all your accounts.
• Your credit mix looks at the different types of credit you have, such as credit cards, mortgages, and installment loans.
• New credit inquiries and recently opened accounts can also temporarily impact your score.

How to Improve Your 667 Credit Score

Improving your credit score is always possible with consistent effort and strategic actions. There are several proven methods you can use to boost your score from the 'fair' range into 'good' or 'excellent' territory.

• Reduce your credit utilization. This is one of the most impactful factors in your score, and keeping your balances below 30% of your available credit can provide a significant and relatively quick boost. For a 667 score, lowering utilization is a key step to cross the threshold into the 'good' credit range.
• Make on-time payments. Your payment history is the single most important component of your credit score, accounting for 35% of it. Setting up automatic payments ensures you never miss a due date, which builds the positive history needed to move your 667 score upward.
• Monitor your credit reports. Regularly checking your reports from all three bureaus helps you find and dispute inaccuracies that could be unfairly dragging your score down. Correcting even a small error can be a fast way to improve a 'fair' credit score.
• Diversify your credit mix. Lenders like to see that you can responsibly manage different types of credit, such as revolving credit cards and installment loans. Adding a different type of account can strengthen your credit profile and show financial maturity, helping to lift your 667 score.

To help you maximize rewards while building a better credit history, consider using the Kudos browser extension.