Earn Cash Back at 686 People with a fair credit score, defined as any score under 740, have fair credit. This score falls one step below the average score and may allow them to qualify for loans and credit cards from various providers; some lenders may require a larger down payment or lower income requirements from applicants with this credit score.
A 686 credit score is still on the rise, so if you’re seeking to improve it there’s plenty of opportunity for growth and accessing more financial products. A good way to begin improving your credit is making timely payments each month which will establish a solid credit history, followed by increasing your score to open up additional options such as 0% credit card offers or personal loans with better rates in the future.