Who Has a 673 Credit Score?

• 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

This clear upward trend, based on 2023 Experian data, shows that older generations tend to have higher credit scores. While age itself isn't a scoring factor, older individuals typically have longer credit histories, a key component in FICO score calculations.

Credit Cards With a 673 Credit Score

A credit score of 673 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 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 average, potentially leading to higher APRs or stricter credit limits than those offered to applicants with higher scores.

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Kudos can help you navigate this with its AI-powered tools like the Dream Wallet, which analyzes your actual spending habits to deliver personalized recommendations. The platform's Explore Tool also allows you to compare cards based on your preferences and provides insights into how applying might affect your credit.

Auto Loans and a 673 Credit Score

With a 673 credit score, you fall into the "prime" borrower category and will likely be approved for an auto loan. However, you won't secure the lowest interest rates, which, according to a 2025 guide, are reserved for those with super-prime credit.

• 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 673 Credit Score

A 673 credit score is high enough to qualify for several major mortgage types. You'll likely meet the minimum requirements for conventional loans, which typically start at a 620 score. Government-backed options are also accessible, including FHA, VA, and USDA loans. However, jumbo loans for larger amounts generally require a score of 700 or higher, placing them just out of reach.

While you can get approved, your score will influence your loan's terms. You can expect higher interest rates compared to borrowers with scores in the 700s, leading to a larger monthly payment. If you make a down payment under 20% on a conventional loan, your Private Mortgage Insurance (PMI) premiums may also be more expensive, as noted in a Kudos mortgage guide.

What's in a Credit Score?

Understanding your credit score can feel like trying to solve a complex puzzle, as it's a blend of several key financial habits. The most common factors that determine your score 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.
• Credit mix refers to the variety of credit products you have, such as credit cards, retail accounts, and loans.
• New credit inquiries and recently opened accounts can also temporarily impact your score.

How to Improve Your 673 Credit Score

While a 673 credit score is considered good, there is always room for improvement, and consistent positive behavior can lead to meaningful changes. With a few proven methods, you can boost your score and improve your overall financial health.

• Establish automatic bill payments. This is the most effective way to build a positive payment history, which is the single most important factor in your credit score calculation.
• Reduce your credit utilization ratio. Keeping your total balance below 30% of your credit limit shows lenders you can manage credit responsibly and can provide a significant boost to your score.
• Monitor your credit reports regularly. This allows you to catch and dispute any errors or fraudulent activity that could be artificially holding your 673 score back from reaching the next tier.
• Diversify your credit mix. Lenders like to see experience with different types of accounts, so adding an installment loan to your profile can demonstrate your ability to handle various forms of credit.

Using a tool like the Kudos browser extension can help you manage your cards and maximize rewards as you work to improve your credit.