Who Has a 672 Credit Score?

While individual scores vary, there's a clear trend of credit scores improving with age. According to generational averages from 2023, the average FICO score increases with each successive 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 672 Credit Score

A credit score of 672 places you in the "fair" credit range, which can be a mixed bag when applying for new credit cards. While you'll likely qualify for a decent selection of cards, you may not have access to the most premium options with the best rewards or lowest interest rates. Lenders might view your score as indicating a moderate level of risk, potentially leading to higher APRs or lower credit limits than those offered to applicants with "good" or "excellent" credit.

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To navigate this landscape, services like Kudos offer AI-powered tools that provide personalized recommendations based on your financial preferences and goals. Its Dream Wallet feature can even analyze your real-time spending to suggest cards that match your habits and provide clarity on how a new card might affect your credit score.

Auto Loans and a 672 Credit Score

A 672 credit score places you in the "prime" borrower category, meaning you'll likely be approved for an auto loan with competitive terms. However, your interest rate won't be as low as those offered to applicants with super-prime credit, resulting in a slightly higher overall cost for your vehicle.

Based on a 2025 market analysis, here are the average auto loan interest rates broken down by credit score tier:

• 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 672 Credit Score

Yes, a 672 credit score is high enough to qualify for most mainstream mortgage options. This score generally meets the minimum credit score requirements for conventional, FHA, VA, and USDA loans. The primary exception is a jumbo loan, which typically demands a score of 700 or higher. This gives you a solid range of products to explore with different lenders.

However, your score will directly impact your loan terms. Lenders reserve the best interest rates for borrowers with scores well into the 700s, so with a 672, you'll likely face a higher rate. If you opt for a conventional loan with a small down payment, your Private Mortgage Insurance (PMI) premiums will also be more expensive than they would be for a borrower 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 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 672 Credit Score

Improving your credit score is always possible, and there are many proven, actionable methods to help you do it. A 672 FICO® score is considered 'good,' but taking these key steps can help you climb into the 'very good' and 'excellent' ranges, unlocking better financial opportunities.

• Reduce your credit utilization ratio. Keeping your credit card balances low, ideally under 30% of your total limit, is crucial for improving your score. For someone with a 672 score, lowering utilization demonstrates responsible credit management to lenders, which is a key factor in getting approved for better loan terms.
• Set up automatic bill payments. Your payment history is the single most important factor in your credit score, so even one late payment can hold you back. Automating payments ensures you never miss a due date, building a flawless track record that will steadily increase your 672 score over time.
• Become an authorized user on a well-managed account. If you have a trusted friend or family member with a long history of on-time payments and low credit card balances, ask to become an authorized user. This allows their positive credit habits to appear on your report, which can boost your score by increasing your average age of credit and lowering your overall utilization.
• Monitor your credit reports for errors. Inaccuracies on your credit report, like incorrect late payments or accounts that aren't yours, can unfairly suppress your score. Regularly checking your reports from AnnualCreditReport.com allows you to spot and dispute these errors, potentially providing a quick boost to your 672 score once they are removed.

To help you make smarter spending decisions and maximize rewards while you build your credit, consider using the Kudos browser extension.