What is a good credit score? What 600 Credit vs. 750 Credit Gets You?

hellojustinbro
Jun 21
2 min read

Updated: Jun 22

Key Points

A 600 credit score is "fair," while a 750 score is "very good," impacting loan terms significantly.
With a 750 score, you’re likely to get lower interest rates, saving thousands on loans.
A 600 score may lead to higher rates, limited credit options, and challenges in approvals.
Improving from 600 to 750 is possible with consistent financial habits in about a year.
New credit scoring models in 2025 may affect how scores are calculated.

What a 600 vs. 750 Credit Score Means? What is a good credit score?

A credit score reflects your creditworthiness, ranging from 300 to 850. A 600 score, considered "fair," suggests some credit issues, like late payments. A 750 score, rated "very good," indicates strong credit management. The average U.S. FICO score in 2025 is 715, so 750 is above average, while 600 is below.

Financial Impact

Mortgages: With a 750 score, you might secure a 7.42% rate on a $300,000 loan, paying $2,180 monthly. A 600 score could mean a 9.5% rate, increasing payments to $2,450, costing an extra $101,200 in interest over 30 years .
Auto Loans: For a $25,000 car loan, a 750 score might yield a 7.01% rate, with $470 monthly payments. A 600 score could push rates to 15%, raising payments to $520 and adding $2,900 in interest.
Credit Cards: A 750 score unlocks premium cards with rewards and low rates, while a 600 score limits you to high-rate subprime cards.

Improving Your Score

You can boost your score from 600 to 750 by paying bills on time, keeping credit utilization below 30%, and avoiding new credit applications. Checking your credit report for errors is also key.

Upcoming Changes

In late 2025, new FICO 10T and VantageScore 4.0 models will be adopted, potentially affecting scores by up to 20 points. These changes aim to improve accuracy but may widen gaps between fair and good credit.