subject: Is The Average American Credit Score Good Enough? [print this page] Just to be sure we cover the other end of the spectrum, if you have a score of 620 or less, you will tend to get the worst terms available; assuming you can get a loan at all. While bumping up a score of 690 is optional, if your score is 620 or lower, it's almost critical to get it to at least 690 if you can.
