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Is 641 a bad credit score?
Creditworthiness: Is 641 a bad credit score?


You or someone you know got a 641 credit score and you are wondering if 641 is a bad credit score. In other words, is a person's creditworthiness bad if his or her credit score is 641?

First, to put the 641 credit score (FICO) in perspective, credit scores range from 300-850. The lower the number, the worse the credit score is.


A 641 credit score is not super low, but not really high either. A 641 credit score is a fair credit score.

No, 641 is not a bad credit score. 641 is a fair credit score. Someone with a credit score of 641 will probably be able to get a loan, but pay higher interest and with worse terms compared to someone with a higher credit score.

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NOTE: The above is Research Maniacs' view of credit scores. Financial institutions, employers, and other organizations may have different guidelines and interpretations. Furthermore, other circumstances beyond credit score may also influence someone's creditworthiness.




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