Is 697 a Good Credit Score?

To apply for a credit card one of the factors to consider is your credit score. So now the question remains “Is 679 a Good Credit Score?”

Find out. In this article, we will tell you if 697 is considered a good credit score,

However, note that a good credit score doesn’t mean a great credit score.

Hence, there are limits to credit cards and loan approval. Thus, let’s find out if 679 is considered a Good Credit Score.

Is 697 a Good Credit Score?

Well, 697 is a good yet not great credit score. Hence, most people make use of the FICO credit score range chart to know their credit score.

Thus, here is a breakdown of the different credit score ranges and what they mean.

  • Excellent (Great): 800 and above
  • Very Good: 740 to 799
  • Good: 670 to 739
  • Fair: 580 to 669
  • Poor: 579 and below

FICO doesn’t decide on loans, Lenders Do

FICO doesn’t decide whether or not you get approved for a credit card, loan, or mortgage.


Hence, the lender is making that decision. Thus, the lender might not use the FICO credit score range chart.

Every lender has their principles on what they consider a good credit score.

So, 697 is seen and taken differently by different lenders. Hence, this score is taken differently depending on the type of loan you need.

However, in most cases, 697 is considered a good credit score. And it is seen as a good credit score to qualify for any type of loan.

Yet, this credit score may not be good enough to get you a fair interest rate or the best credit cards.

But, it is good enough to avoid having to work with lenders for bad credit scores.

Hence, these lenders often charge high fees and offer the worst interest rates.

However, if you’re applying for a mortgage or a car loan, 697 is considered a good credit score.

Thus, you can get good interest rates when you apply, especially if you have a good credit history.

On the other hand, most credit card issuers may consider 700 as the cut-off score for approval.

However, 697 is close to 700 and with a good credit history, you have good chances of approval.

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With a good credit history of early payment, you may get considered for some good credit cards.

Thus, your income, debt, and length of credit history are also important in deciding your approval.

Also, other factors like the no of accounts open recently can decide your loan approval.

Target 700, then work towards 750 or 800

If you have a credit score of 697, you should target hitting 700 soon.

Hence, as long as you make on-time payments on existing loans and avoid debt, you can hit 700.

Although 700 looks good, you’ll need a credit score of 750 or 800 to get the best interest rates. And also easy approval for premier credit cards.

Thus, you have to continue working to hit a credit score like 750 or 800. Hence, with a credit score of 750, you look like a low-risk applicant and will get quick approval.

That’s not all, you’ll also get high credit lines, low rates, and the best rewards.

What Is Considered a Good Credit Score?

Some people consider a good credit score as 700 and above. Whereas others consider a good credit score to be 670 and above based on the FICO credit score range chart.

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However, when your credit score falls within a good to great credit score, it is considered a good score.

Yet, that does not mean you’ll get approved for any card. Hence, you must make sure other factors are in place to get better terms and lower interest rates.


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697 is a good yet not great credit score. Hence, it is seen and taken differently by different lenders.

Thus, to get good interest rates and a high credit line, you should target 700 to 800.

Also, make sure other factors are in place. Once they are in place your chances of approval are high.

However, we hope this article was a great guide and answers if 679 is a Good Credit Score.

Yet, if you have any questions regarding this article leave a comment below.

Having said that, thank you for reading!