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Is 642 a good credit score?
Creditworthiness: Is 642 a good credit score?

You or someone you know got a 642 credit score and you are wondering if 642 is a good credit score. In other words, is a person's creditworthiness good if his or her credit score is 642?

First, to put the 642 credit score (FICO) in perspective, credit scores range from 300-850. The higher the number, the better the credit score is.

A 642 credit score is not super high, but not super low either. A 642 credit score is a fair credit score.

624 is NOT a good credit score. 624 is a fair credit score. Someone with a credit score of 624 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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