Is 675 a Good Credit Score?

Credit Card
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Is 675 a good credit score?

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Yes, 675 is a good credit score. It shows you manage credit reasonably well. Lenders will likely approve loans, though the very best rates and top-tier perks usually sit above 750.

These are a few practical things you could do:

  • Control card spending and aim to use less than one-third of your available limit.
  • Set up auto-debits for EMIs and major bills so you never miss payments.
  • Add one secured loan or keep an older account open to show variety and longer tenure.
  • Ask for a modest credit limit increase as your income rises. Lower utilisation helps your profile.
  • Check your credit report regularly and correct any errors quickly.

Stick with these habits for 6–12 months, and you should see steady improvement toward the 750+ zone, where lenders offer better rates and richer benefits.