685 Credit Score

A 685 Credit Score Is Good. Your #1 way to increase it is by hiring a Credit Repair service, like Credit Glory. It's fast, simple and accelerates you on your road toward financial success. Get started today!

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Is 685 a Good Credit Score?

A 685 FICO® Score is considered “Good”. Mortgage, auto, and personal loans are relatively easy to get with a 685 Credit Score. Lenders like to do business with borrowers that have Good credit because it's less risky.

It gets even better.

Repairing your credit is one of the best ways to increase your score, and unlock even better loan rates that you and your family deserve.

A 685 Credit Score means:

  • Credit Rating: Good
  • Loan Options: Many
  • Loan Cost: Cheap
  • Best Option: Minimal Credit Repair

Improving Your 685 Credit Score

A Credit Repair company like Credit Glory can:

  1. Evaluate Your Credit Report - Pull your credit report and identify all negative, harmful items that's keeping your 685 score suppressed.
  2. Dispute Negative Items - Customize and send dispute letters to Bureaus to request getting those negative items off your report (for good).
  3. Get Harmful Items Removed - A repair service like Credit Glory will continue disputing items on your behalf until they’re no longer harming your credit worthiness.
  4. Improve Your Score - Once negative items begin falling off your report, you'll see a big boost to your score. This means better loan terms on a car, house, or personal loan.

An industry leader like Credit Glory can guide you through this process. Give them a call @ (833) 885-2800, or chat with them, today →

Can I Get a Mortgage & Home Loan w/ a 685 Credit Score?

Getting a mortgage and home loan with a 685 credit score shouldn't be very difficult. Your current score is a mid-to-high credit rating. 

The #1 way to get a home loan with a 685 score is to complete minimal credit repair, and simply apply and wait for approval.

After a few short months of repairing your credit (with an industry leader like Credit Glory), you’ll be in a much better position to get your ideal home loan terms.

Can I Get a Car / Auto Loan w/ a 685 Credit Score?

Trying to qualify for an auto loan with a 685 credit score is relatively cheap. There isn't as much risk for a car lender (which means you get good rates). Taking out an auto loan out with a 685 credit score, shouldn't be very difficult.

It gets even better. 

You can improve your loan terms with a few simple steps to repair your credit.

An ideal option at this stage is reaching out to a credit repair company to evaluate your score and see how they can increase it. 

Can I Get a Personal Loan or Credit Card w/ a 685 Credit Score?

Like home and car loans, a personal loan and credit card isn't very difficult to get with a 685 credit score.

You don’t need to apply for a secured card with Discover or Capital One, who may make you pay $500-$1000 just for a deposit. 

You can get even better terms on your personal loan or credit card by repairing your credit and waiting a few short months until your score improves.

A 685 score means you likely have a few-no negative items on your report. Removing any outstanding negative items (or hard inquiries) is usually the quickest way to fixing your report.

We recommend speaking with a friendly credit repair expert online to help guide you through this process. Your consultation is completely free, no-pressure, and will set you on the right path toward boosting your score.

How Long Does It Take To Get A 685 Credit Score?

It depends where you started out.

If you had fair credit starting out, this score may be easy to reach, once you remove any bad marks on your credit. Three collection accounts, for example, could drop a 800 credit score well below 600.

If you started out with weak credit (for example, you don’t have any revolving accounts), a single negative mark could lower you well below the 500s.

How To Get Above 685 Credit Score

If you want a score above 685, you need to remove all inaccurate, negative items, have a good credit mix, and have an aged, revolving credit account (such as a 2+ year old credit card). You'll also want to maintain a low revolving balance (below 30% utilization).

How To Improve A 685 Credit Score

Work on removing all negative accounts such as collections, charge-offs, medical bills, bankruptcies, et al.

Remove as many excess hard inquiries as you can. Get your revolving utilization as low as you can (0 being best, but the general rule is below 30%). Ensure you have a good credit mix of installment loans and revolving accounts.

Last but not least, make sure you have at least two revolving accounts older than 2 years (getting added as an authorized user to a friend or family members credit card can help!)

We recommend taking a look at Credit Glory. Give them a call (833) 885-2800

It's generally much faster if you worked with Credit Glory, and they happen to have incredible customer service.

Is 685 A Good Credit Score To Buy A House

According to the FICO model, a 685 credit score is "good." This means you have better options for mortgages and can expect an interest rate of around 3.126%. Want to get an even lower interest rate (& save money) on your mortgage? Credit Glory can help. They identify and remove credit report errors, helping you boost your score, so you get a great deal on your mortgage.

685 Credit Score Average Mortgage Interest Rate

Having a 685 credit score means you have good credit. Lenders see you as a less risky investment, and if you're looking for a mortgage, you can expect interest rates of around 3.126%. Want to qualify for an even lower interest rate (& save money)? Credit Glory helps you fix your credit (& boost your score), so you get the best rates on your mortgage.

685 Credit Score Interest Rate Calculator

If you have a 685 credit score and are looking for a loan, an interest calculator helps you determine how much you might be paying in interest. Generally, you're looking at interest rates between 3.75%-6.04%, depending on the type of loan. To qualify for the best interest rates, a qualified credit expert (like Credit Glory) helps you boost your score and get the best deal on loans.

Why choose Credit Glory?

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$99/m (+ small, one-time $100 review & setup fee charged once your letters are sent)
$90–$130/m ($130 most popular)
$79/m (+$79 review/setup fee)
Customer Service
Mon - Fri: 9AM - 8PM
Sat & Sun: 9AM - 5PM
5 days/wk (M-F), 7 A.M.–7 P.M.
5 days/wk (M-F) 9AM-5PM
Industry-leading 90-day, 100% money-back guarantee (if we remove no negative items)*
Money-back guarantee
A+ BBB rating (4/5 stars)
No BBB rating (2/5 Stars)
C- rating w/BBB
*Less the initial setup fee
Accurate as of October 28th, 2020

Supercharge Your Future & Credit Score, Today!

Reclaim your financial freedom and speak with a live credit specialist for your free consultation, right now (we're here 24/7) 855 938-3044.