Is 652 a Good Credit Score? All You Need to Know


In the world of personal finance, your credit score plays a crucial role in determining your financial health and opportunities. A credit score of 652 falls within a specific range that can influence your ability to secure loans, credit cards, and favorable interest rates. In this comprehensive guide, we'll explore whether a credit score of 652 is considered good, its implications on your financial life, and strategies to enhance it.

Is 652 a Good Credit Score?

A credit score of 652 falls within the range of 580 to 669, as defined by the FICO credit scoring model. This range is generally classified as "Fair," indicating that there is room for improvement. While a score of 652 isn't necessarily bad, it may limit your access to some of the best financing options available.

Understanding Credit Score Ranges

Credit scores are typically categorized into different ranges to help lenders assess an individual's creditworthiness. Here's a breakdown of the ranges:

  • Poor (300 - 579): Individuals in this range may find it challenging to qualify for credit and may face high interest rates.
  • Fair (580 - 669): While you can access credit, you might not qualify for the most favorable terms.
  • Good (670 - 739): This range suggests you're a relatively low risk for lenders, making it easier to secure loans.
  • Very Good (740 - 799): You're likely to receive competitive interest rates and offers.
  • Excellent (800 - 850): You're in a prime position to secure the best financing options available.

The Impact of a 652 Credit Score

Having a credit score of 652 can have both positive and negative effects on your financial life. Let's explore how:

Positive Impacts

  • Access to Credit: While not in the "Good" range, a score of 652 still grants you access to credit, which can be crucial for emergencies and essential purchases.
  • Improvement Potential: A fair credit score leaves room for improvement. By making timely payments and responsible financial decisions, you can gradually enhance your score.
  • Credit Mix: Having a mix of credit types, such as credit cards and installment loans, can positively influence your score. Your score may improve if you manage these accounts well.

Negative Impacts

  • Limited Financing Options: You might not qualify for the most competitive interest rates, which could result in higher borrowing costs over time.
  • Higher Interest Rates: Lenders may consider you a moderate risk, leading to slightly higher interest rates on loans and credit cards.
  • Potential Rejections: Some lenders might decline your application for credit or loans due to your score falling below the "Good" range.

Improving a 652 Credit Score

If you're aiming to elevate your credit score from 652 to higher levels, here are effective strategies to consider:

  1. Timely Payments

Consistently make on-time payments for all your credit accounts, including credit cards, loans, and mortgages. Payment history has a significant impact on your credit score.

  1. Reduce Credit Utilization

Lower your credit card balances to improve your credit utilization ratio. Aim to keep your balances below 30% of your available credit limit.

  1. Diversify Credit Mix

Consider adding different types of credit to your profile, such as installment loans or secured credit cards. A diverse credit mix can positively impact your credit score.

  1. Regularly Check Your Credit Report

Monitor your credit report for errors and discrepancies. Dispute any inaccuracies you find to ensure your score is calculated correctly.

  1. Avoid Opening New Accounts

While it's important to have a mix of credit types, avoid opening multiple new accounts within a short period. Each application can temporarily lower your score.

  1. Patience and Persistence

Improving your credit score takes time and discipline. Be patient and persistent in your efforts to manage your finances responsibly.


Can I Get a Mortgage with a 652 Credit Score?

Yes, you can secure a mortgage with a credit score of 652, but you might face higher interest rates compared to borrowers with better credit scores.

Will My 652 Credit Score Improve Overnight?

No, credit score improvement takes time. Consistently practicing good financial habits over several months will yield positive results.

Can I Refinance My Auto Loan with a 652 Credit Score?

While refinancing is possible, you might not qualify for the most competitive rates. It's essential to shop around and explore your options.

How Long Does a 652 Credit Score Stay in the "Fair" Range?

With responsible credit management, you can work towards improving your score. The timeline varies, but consistent efforts can lead to positive changes.

Can I Get a Credit Card with a 652 Credit Score?

Yes, you can qualify for a credit card, but it might be a card with a lower credit limit and potentially higher interest rates.

What's the Quickest Way to Boost My 652 Credit Score?

The quickest way to boost your credit score is by paying off any outstanding debts and reducing credit card balances.


In conclusion, a credit score of 652 falls within the "Fair" range, indicating room for improvement. While it's not considered a high score, it doesn't mean your financial options are limited. By practicing responsible financial habits, you can gradually enhance your credit score and open doors to better financing opportunities. Remember, improving your credit score is a journey that requires dedication, patience, and informed decision-making.

Want a higher credit score? Talk to our specialists now at (888) 804-0104 and pave the way for a brighter financial future.