CREDIT SCORE

Is 660 a Good Credit Score?

Last Updated: May 2026

300–850FICO Score Range

714Avg. U.S. Score

670+Good Credit Threshold

📋 Reviewed by WiseIQ Editorial Team · Updated April 2026 · Editorially independent

WiseIQ Editorial Team

Reviewed by certified financial experts · Updated March 2026

About our team →

A 660 credit score is at the upper end of Fair, just 10 points from Good credit. You have solid access to credit and are very close to unlocking significantly better rates.

WiseIQ Expert Tip

Your payment history accounts for 35% of your FICO score — the single largest factor. Setting up autopay for at least the minimum payment eliminates the risk of a missed payment tanking your score.

Last Updated: March 2026 WiseIQ Editorial Team

660

Fair Credit

FICO Score Range: 300–850

300850

Browse Credit Scores

580 600 620 640 660 680 700 720 740 760 780 800 850

Score Tier

Fair Credit

Grade

B-

Better Than

46% of Americans

What You Qualify For with a 660 Credit Score

Credit Cards

Wide selection of unsecured cards. Some entry-level rewards cards available.

Personal Loans

All major lenders. Rates of 9%–18% APR typical at 660.

Auto Loans

Excellent access. Rates of 6%–12% APR typical.

Mortgage

Conventional loans with competitive rates. Still above 700+ borrowers but not dramatically so.

HELOC

Good access. Most lenders accept 660+ with standard terms.

Savings Account

Any bank — credit scores don't affect savings account eligibility.

Best Financial Products for 660 Credit Score

Credit Cards for 660 →Personal Loans for 660 →Savings Accounts for 660 →HELOC for 660 →

What's Holding Your Score Back

A late payment from 1–2 years ago that's still weighing on your score
Utilization in the 20%–40% range
A collection account from several years ago
Credit age under 4 years
Recent hard inquiries

How to Improve a 660 Credit Score

You're 10 points from Good — this is the sprint

670 is within reach in 1–3 months. One focused action (paying down a card, disputing an error) could get you there.

Pay down your highest-utilization card to under 10%

This single action can add 15–30 points quickly.

Dispute any errors immediately

At 660, even one removed negative item could push you over 670.

Use Experian Boost or UltraFICO

These free tools can add 10–20 points by including rent, utility, and bank account data.

Ask for a goodwill deletion

If you have a single late payment from a lender you've otherwise been good with, write a goodwill letter asking them to remove it.

Timeline: From 660, reaching 670 can happen in 1–3 months. Reaching 700 typically takes 6–12 months.

💡 Expert Insight

Based on our analysis of thousands of consumer financial profiles, the most common mistake people make is focusing solely on the interest rate without considering total loan cost, fees, and repayment flexibility. Always compare the APR — not just the rate — and read the fine print on prepayment penalties before signing.

WiseIQ Editorial Team

Reviewed by Certified Financial Planners & Industry Experts

Our editorial team consists of financial writers, CFPs, and former banking professionals dedicated to providing accurate, unbiased financial guidance. All content is fact-checked and updated regularly. Learn about our editorial standards →

Frequently Asked Questions

Is 660 a good credit score?

660 is technically Fair, not Good — but it's only 10 points from the Good credit threshold of 670. At 660, you have strong access to credit products. One focused action (paying down a credit card, disputing an error) could push you into Good credit territory within weeks.

What is the difference between 660 and 700 credit score?

The jump from 660 to 700 unlocks meaningfully better rates: personal loan APRs drop from ~15% to ~10%, auto loan rates drop from ~9% to ~6%, and mortgage rates improve by 0.25%–0.5%. On a $300,000 mortgage, a 700 vs 660 score can save $15,000–$25,000 over 30 years.

How do I get from 660 to 700 fast?

The fastest path: (1) Pay down credit card balances to under 10% utilization — this alone can add 20–30 points. (2) Dispute any errors on your credit report. (3) Use Experian Boost to add utility payments. (4) Make sure every payment is on time for 6 months. Most people can reach 700 from 660 in 6–12 months.

← 640 Score 680 Score →

📚 Books to Help Improve Your Credit Score

Recommended books to go deeper on this topic

High Credit Score Secrets

by Various Authors

Over 50 proven methods to boost your credit rating — covers the exact algorithm all 3 bureaus use.

View on Amazon →

The Total Money Makeover

by Dave Ramsey

The definitive guide to eliminating debt and rebuilding your financial foundation step by step.

View on Amazon →

As an Amazon Associate, WiseIQ earns from qualifying purchases. This does not affect our editorial recommendations.

Sources & Methodology

WiseIQ's editorial team researches and fact-checks all content using primary sources. Our recommendations are based on independent analysis and are not influenced by advertiser relationships.

Consumer Financial Protection Bureau (CFPB) — regulatory data and consumer guidance
Federal Reserve — Consumer Credit Report (G.19) — interest rate benchmarks
AnnualCreditReport.com — official free credit report access
myFICO Credit Education — credit score methodology
Lender and issuer websites — rates, terms, and eligibility verified directly from source

Last reviewed: April 2026 | How we rank products

Is 660 a Good Credit Score?

Frequently Asked Questions

Related Tools

📚 Books to Help Improve Your Credit Score

High Credit Score Secrets

The Total Money Makeover

Sources & Methodology

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