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You or someone you know got a 646 credit score and you are wondering if 646 is a bad credit score. In other words, is a person's creditworthiness bad if his or her credit score is 646? First, to put the 646 credit score (FICO) in perspective, credit scores range from 300-850. The lower the number, the worse the credit score is. A 646 credit score is not super low, but not really high either. A 646 credit score is a fair credit score. No, 646 is not a bad credit score. 646 is a fair credit score. Someone with a credit score of 646 will probably be able to get a loan, but pay higher interest and with worse terms compared to someone with a higher credit score. How much house can I afford with my salary? Find out how much house you can afford based on your salary.

Bad Credit Score? Check other credit scores to see if they are bad.

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.