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I just learned my credit score is 683. Is that bad?

I'm 21. My credit report had one less than 30-day late credit card payment almost one year ago. I have one credit card with a $300 max (current balance is around $240), and one student loan for $2600 which is not being paid yet because I am still in college.

 
Anonymous

Asked by Anonymous at 4:44 PM on Nov. 28, 2009 in Money & Work

This question is closed.
Answers (9)
  • No, that's not bad. It's average. 800 is perfect.
    Awesome is between 750-800
    Good is 700-750
    Okay is where you are about 650 - 700
    Poor is generally anything under 650

    But it also depends on what you are trying to do with it. If you're trying to get a car loan it's not so bad. But if you are going for something unsecured it's not so good...

    Honestly though if you are able to continue to make all your payments on time, you'll be fine cause it will only go up from there. Just be careful when it comes to late or missed payments on things.
    SabrinaMBowen

    Answer by SabrinaMBowen at 7:02 PM on Nov. 28, 2009

  • Yes. I know because mine is around that number unfortunately.
    Anonymous

    Answer by Anonymous at 4:48 PM on Nov. 28, 2009

  • badsorry its very very very BAD

    Anonymous

    Answer by Anonymous at 4:49 PM on Nov. 28, 2009

  • http://www.creditscoring.com/pages/bar.htm It looks as though it is pretty good. Near prime rates considered. 

    Bmat

    Answer by Bmat at 4:53 PM on Nov. 28, 2009

  • Chances are the reason it isn't higher is because you are young. They factor in the amount of time you've had credit.

    maxswolfsuit

    Answer by maxswolfsuit at 5:02 PM on Nov. 28, 2009

  • Not that bad. I have seen worse.
    Anonymous

    Answer by Anonymous at 5:36 PM on Nov. 28, 2009

  • Not the Best But Not Bad
    Kelly_Motherof2

    Answer by Kelly_Motherof2 at 5:56 PM on Nov. 28, 2009

  • Not very good. You would have a hard time getting a good interest rate if you bought a house or car now.
    Anonymous

    Answer by Anonymous at 6:47 PM on Nov. 28, 2009

  • OP again

    I am not intending on getting any kind of loan. I'm getting a "new" car with my tax refund and paying in full cash, and my parents just bought me a house in cash so my "home loan" is through them. I really just wanted to know what my credit score was and what my credit report said...

    And that late payment was a bunch of bologna.
    Anonymous

    Answer by Anonymous at 1:56 AM on Nov. 29, 2009