Understanding the 685 Credit Score: What It Means and How to Improve It

Have you ever found yourself wondering about the magic number that can determine so much of your financial life? Yep, we’re talking about your credit score. Specifically, let’s dive into the world of the 685 …

Have you ever found yourself wondering about the magic number that can determine so much of your financial life? Yep, we’re talking about your credit score. Specifically, let’s dive into the world of the 685 credit score. This number can play a pivotal role in shaping your financial opportunities, from securing loans to snagging lower interest rates. So, what does a 685 credit score mean, and how can you boost it to the next level? Let’s find out.

What is a 685 Credit Score?

A 685 credit score falls within the range considered as “Good.” But what exactly does that entail?

The Credit Score Spectrum

  • 300-579: Poor
  • 580-669: Fair
  • 670-739: Good
  • 740-799: Very Good
  • 800-850: Exceptional

With a score of 685, you’re just a few points shy of entering the “Very Good” range. This means you’re doing quite well but still have room for improvement to reach an even better standing.

Why is a 685 Credit Score Important?

A 685 credit score can open doors, but it’s not the golden ticket to all things financial. Here’s why it matters:

Loan Approvals

Lenders typically consider a 685 credit score as a reliable indicator of your creditworthiness. You’re more likely to get approved for loans, albeit with slightly higher interest rates compared to those with scores in the 740+ range.

Interest Rates

While you’ll likely qualify for loans, the interest rates might not be as favorable as those for someone with a higher score. Over time, this can mean paying more in interest for the same loan amount.

Credit Card Offers

With a 685 score, you’ll have access to decent credit card offers. However, the most premium cards with the best rewards might still be out of reach.

How to Improve Your 685 Credit Score

Getting from a good credit score to a great one isn’t an overnight journey, but with consistent effort, it’s entirely achievable. Here are some strategies to help you climb the credit ladder:

Pay Your Bills on Time

This might sound like a no-brainer, but timely payments are crucial. Late payments can severely impact your score.

Reduce Your Credit Utilization Ratio

Aim to keep your credit utilization below 30%. If your total credit limit is $10,000, try not to carry a balance of more than $3,000.

Diversify Your Credit Mix

Having a mix of credit types—credit cards, installment loans, mortgages—can positively influence your score.

Don’t Close Old Accounts

The length of your credit history accounts for 15% of your score. Keeping old accounts open can help maintain a longer credit history.

Limit Hard Inquiries

Each hard inquiry can shave points off your score. Be selective about applying for new credit.

Common Myths About Credit Scores

Let’s debunk some common misconceptions that might be holding you back.

Closing Old Accounts Boosts Your Score

Not true! As mentioned, keeping old accounts open can help lengthen your credit history, which is a positive factor.

Checking Your Own Credit Hurts Your Score

Nope, this is a soft inquiry and doesn’t affect your score.

Only Credit Card Usage Impacts Your Score

All types of credit, including loans and mortgages, affect your score.


  1. Is a 685 credit score good enough for a mortgage?

Yes, a 685 credit score is typically good enough to qualify for a mortgage, though the interest rate may not be the lowest available.

  1. Can I get a car loan with a 685 credit score?

Absolutely! A 685 credit score should qualify you for a car loan, though you might not get the very best interest rates.

  1. How long does it take to improve a 685 credit score?

This varies depending on individual circumstances, but with diligent effort, you could see improvements in as little as a few months to a year.

  1. Does paying off debt quickly improve my credit score?

Yes, paying off debt can improve your credit utilization ratio, which in turn can boost your score.


Navigating the world of credit scores can feel like walking through a maze, but understanding where you stand with a 685 credit score is a significant first step. By maintaining good credit habits, you can steadily improve your score and unlock better financial opportunities. Remember, it’s a marathon, not a sprint. So, keep your eyes on the prize and your credit score will follow suit.

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