Is 679 a Good Credit Score? Exploring the Impact and Benefits


In today's financial landscape, credit scores play a crucial role in various aspects of our lives. From securing loans to renting an apartment, your credit score reflects your financial responsibility and trustworthiness. If you're wondering, "Is 679 a good credit score?" you're in the right place. This comprehensive guide will walk you through the intricacies of credit scores, shed light on the significance of a score around 679, and provide actionable tips for managing and enhancing your creditworthiness.

Understanding Credit Scores

Your credit score is a three-digit number that summarizes your creditworthiness based on your credit history and financial behavior. It typically ranges from 300 to 850, with higher scores indicating better credit health. Lenders use this score to assess the risk of lending money to you.

Factors Affecting Your Credit Score

Several factors influence your credit score, including:

  • Payment History: Timely payments positively impact your score, while late payments or defaults can lower it.
  • Credit Utilization: This is the ratio of your credit card balances to your credit limits. Maintaining a low utilization rate is beneficial.
  • Length of Credit History: A longer credit history demonstrates your financial stability and responsible credit use.
  • Types of Credit: Having a mix of credit accounts, such as credit cards, loans, and mortgages, can positively influence your score.
  • New Credit Inquiries: Applying for multiple new credit accounts within a short period can slightly lower your score.

The Significance of a 679 Credit Score

A credit score of 679 falls within the "Good" range, indicating a reasonably healthy credit profile. While it's not the highest score possible, it's certainly a score to be proud of. Here's why:

  • Loan Approval: A score of 679 demonstrates to lenders that you are a relatively low credit risk. This increases your chances of being approved for loans, including mortgages and auto loans, at favorable interest rates.
  • Credit Card Offers: With a good credit score, you're likely to receive credit card offers with competitive interest rates and appealing rewards programs.
  • Renting an Apartment: Landlords often consider credit scores when evaluating rental applications. A score of 679 enhances your chances of securing a desirable apartment.
  • Insurance Premiums: Many insurance companies use credit scores to determine premium rates. A good score might lead to lower insurance costs.

Tips for Improving and Maintaining Your Score

Maintaining a credit score around 679 is commendable, but there's always room for improvement. Here are some strategies to boost your score:

  • Pay Bills on Time: Consistently paying your bills by the due date is one of the most effective ways to enhance your credit score.
  • Reduce Debt: Lowering your credit card balances can significantly improve your credit utilization ratio, positively impacting your score.
  • Monitor Your Credit Report: Regularly review your credit report for errors or discrepancies that could be dragging down your score.
  • Limit New Credit Applications: While applying for new credit can be necessary, doing so excessively can lower your score.

Frequently Asked Questions (FAQs)

Q: Can I get a mortgage with a credit score of 679?

A: Yes, a credit score of 679 is generally considered good enough to qualify for a mortgage. However, the interest rates you're offered might vary based on the lender's policies and other factors.

Q: How long does it take to improve a credit score?

A: Improving your credit score takes time. With consistent positive financial behavior, you might start seeing improvements within a few months, but significant changes could take a year or more.

Q: Will checking my own credit score affect it?

A: No, checking your own credit score is considered a "soft inquiry" and does not impact your score. It's a good practice to monitor your score regularly.

Q: Can I negotiate interest rates with a score of 679?

A: Absolutely. With a credit score of 679, you have room to negotiate interest rates on loans and credit cards. Compare offers from different lenders and leverage your score to secure better terms.

Q: How does a 679 score compare to the national average?

A: The national average credit score hovers around 710. While 679 is slightly below this average, it's still within the "Good" range and should provide you with access to most financial opportunities.

Q: Is it possible to achieve a perfect 850 credit score?

A: While extremely challenging, achieving a perfect 850 credit score is theoretically possible. However, scores in the upper 700s and 800s already offer most of the benefits that come with a perfect score.


In the realm of credit scores, a score of 679 is indeed a good one. It opens doors to favorable loan terms, competitive credit card offers, and improved financial opportunities. However, don't stop at good—strive for excellence. By consistently practicing sound financial habits, you can elevate your score even further and enjoy the benefits of an even stronger credit profile.

Remember, a credit score is not just a number; it's a reflection of your financial responsibility and trustworthiness. Whether you're aiming to purchase a home, secure an attractive loan, or simply manage your finances more effectively, nurturing a healthy credit score is a valuable step toward achieving your financial goals.

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