Who Has a 691 Credit Score?

While age isn't a direct factor in calculating your credit score, there is a strong correlation between age and the average score. According to a 2023 Experian analysis, average FICO scores tend to rise 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 691 Credit Score

A credit score of 691 places you in the 'good' credit range, which is a solid position to be in when applying for a new credit card. While you'll likely qualify for a wide array of cards, you might find that the most exclusive, premium cards with top-tier rewards and the lowest interest rates remain just out of reach. Ultimately, your 691 score makes you a viable candidate for approval, but the terms you receive—such as your credit limit and APR—may not be as favorable as those offered to applicants with excellent credit.

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Kudos offers personalized tools that analyze your unique financial situation and preferences to help you find the ideal credit card. Its Explore Tool sifts through nearly 3,000 cards to match you with options that maximize rewards and minimize fees, allowing you to compare your top choices side-by-side.

Auto Loans and a 691 Credit Score

With a 691 credit score, you fall into the prime borrower category, which generally means you'll have a good chance of being approved for an auto loan. While your rates will be competitive, they won't be the lowest available, as those are reserved for borrowers with super-prime credit.

According to a 2025 guide and analysis, here are the average rates for new and used car loans across different credit score brackets:

• Super-prime (781-850): 5.25% for new cars, 7.13% for used cars
• Prime (661-780): 6.87% for new cars, 9.36% for used cars
• Non-prime (601-660): 9.83% for new cars, 13.92% for used cars
• Subprime (501-600): 13.18% for new cars, 18.86% for used cars
• Deep subprime (300-500): 15.77% for new cars, 21.55% for used cars

Mortgages at a 691 Credit Score

A 691 credit score puts you in a solid position to buy a home, qualifying you for several mainstream mortgage products. According to mortgage loan requirements, this score is above the typical minimum for conventional, FHA, VA, and USDA loans. While you have multiple options, you may find that most jumbo loans are just out of reach, as they often require a score of 700 or higher.

While your score is high enough for approval, it will directly impact your loan terms. You won't secure the best interest rates, which are reserved for borrowers with excellent credit (740+). For a conventional loan, you can also expect to pay higher Private Mortgage Insurance (PMI) premiums than someone with a top-tier score, which increases your monthly payment.

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's primarily based on a handful of key financial habits. The most common factors 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.
• Having a healthy mix of credit types, such as credit cards and installment loans, can positively impact your score.
• Recent credit inquiries and newly opened accounts can temporarily lower your score.

How to Improve Your 691 Credit Score

While a 691 credit score is considered good, it's always possible to improve your financial standing. With consistent effort and a few proven methods, you can boost your score into an even better tier.

• Monitor your credit reports. Regularly checking your reports helps you spot and dispute inaccuracies that could be holding your score back. This ensures your 691 score is a true reflection of your credit history, clearing the path for improvement.
• Establish automatic bill payments. Payment history is the most significant factor in your score, so automating payments guarantees you never miss a due date. This consistent, positive behavior is essential for pushing a good score into the excellent range.
• Reduce your credit utilization ratio. Aim to keep your credit usage below 30% of your total available credit, as this is a highly influential scoring factor. Paying down balances or making multiple payments per month can provide a significant boost to a 691 score.
• Become an authorized user. Being added to a well-managed credit card account can add its positive payment history and low utilization to your own credit file. This can help lengthen your credit history and improve your utilization rate, both of which are beneficial.

Using a smart tool like the Kudos browser extension can help you use your credit cards more strategically as you work to improve your score.