A 639 credit score is considered “poor” credit score, not “good” credit, and it is below the national average credit score of 702. Such a score will make it difficult to get approved for a decent loan or line of credit.
You are not too far from reaching a good credit score, however, as 639 is 61 points away from a 700 credit score, which many people use as a benchmark. It’s only 1 points from a fair credit score.
Key Things to Know About a 639 Credit Score
- Credit Rating: 639 is considered a poor credit score.
- Borrowing Options: Most borrowing options are available, but the terms are unlikely to be attractive. For example, you could borrow a small amount with certain unsecured credit cards or a personal loan, but the interest rate is likely to be high.
- Best Way to Improve a 639 Credit Score: Apply for a secured credit card and pay the bill on time every month.
Below, you can learn more about what a 639 credit score can get you and, even more importantly, how you can get a higher credit score. To that end, you can also check out your personalized credit analysis to see what you need to improve and exactly how to do it.
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How 639 Compares to the Rest of the Credit Score Range
A 639 credit score is below-average, but it’s not too far from good credit, as the table below shows.
| Credit Score Range | Credit Category |
| 800 – 850 | Perfect |
| 750 – 799 | Excellent |
| 700 – 749 | Good |
| 640 – 699 | Fair |
| 571 – 639 | Poor |
| 500 – 570 | Very Poor |
| 400 – 499 | Bad |
| 300 – 399 | Very Bad |
You can learn more by checking out WalletHub’s guide on the credit score range. It’s also important to remember that even though a 639 credit score is not in the good credit tier, you may still qualify for some credit offers.
What Does a 639 Credit Score Get You?
| Type of Credit | Do You Qualify? |
| Secured Credit Card | YES |
| Unsecured Credit Card | YES |
| Home Loan | YES (FHA Loan) |
| Personal Loan | MAYBE |
| Auto Loan | MAYBE |
Note: It may be possible to qualify for a personal loan or auto loan in some cases, but the terms are unlikely to be attractive. If you apply for the average offer, you’re more likely to be rejected than approved.
This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer. WalletHub independently collected information for some of the cards on this page.
Best Credit Cards for a 639 Credit Score
To select the best credit card for people with a 639 credit score, WalletHub’s editors compared more than 1,500 credit card offers based on factors such as their approval requirements, fees, rewards, and interest rates. Security deposit requirements and credit bureau reporting practices were also considered. We ultimately selected the secured and unsecured cards likely to save someone with a 639 credit score the most money.
How to Improve a 639 Credit Score
Get Personalized Advice From WalletHub
The best approach to improving a 639 credit score is to check the Credit Analysis page on your free WalletHub account. This will tell you what problem areas to focus on and how to correct them.
If your grades are similar to those earned by the average person with a 600 credit score (listed below), improving your credit utilization and paying your bills by the due date every month should be among the first orders of business.
- Payment History: D = Less than 98% on-time payments
- Credit Utilization: C = 10% - 29% utilization
- Debt Load: B = 0.36 - 0.42 debt-to-income ratio
- Account Age: B = Average loan / line of credit is 7 - 9 years old
- Account Diversity: C = 2 account types or fewer than 5 total accounts
- Hard Credit Inquiries: A = Fewer than 3 in past 24 months
- Collections Accounts & Public Records: B = 1 collections account / public record
Improve Your Credit Utilization
There are four ways to improve your credit utilization, which refers to how the balances listed on your credit card statements each month compare to the credit limits for those accounts. You can spend less, make bigger payments or pay your bill multiple times per month to bring down your statement balances. You can also request higher credit limits, but that’s harder for you to control.
Use a Secured Credit Card Responsibly
The most reliable way to begin rebuilding a poor credit score is to place a down payment on a secured credit card. The deposit reduces the issuer’s risk, making it possible to get approved no matter how low your score might be. Then, simply keeping your account in good standing will result in positive information being added to your credit report month after month.
You could try a credit card for people with fair credit first, but if you don’t get approved, go the secured-card route. Repeatedly getting rejected will result in multiple hard inquiries on your credit report and only make rebuilding harder.
Pay All Your Bills By the Due Date
On-time payments are important because your payment history accounts for a lot of your credit score, and success in this area is directly within your control. The best approach is to set up automatic monthly payments from a bank account. This will at least save your score from taking a hit just because you lose track of time.
Keep Tabs on Your Credit Report
No matter what your credit score is, it’s also a good idea to regularly review your credit report for errors and dispute any you find. Doing that and signing up for a free 24/7 credit monitoring service will help keep you and your credit score safe.
The credit score shown on WalletHub is based on your TransUnion credit report as well as the VantageScore 3.0 model, and it may differ from what your lender or insurer uses. WalletHub’s assessment of what constitutes limited, bad, fair, good, and excellent credit may also differ from your lender’s assessment. In addition to your credit score, lenders may consider other factors, such as your income and your debt.
