FICO 10 Credit Score Is 646 What Is It for FICO 8 Credit Score

FICO 10 Credit Score Is 646: What Is It for FICO 8 Credit Score


Credit scores play a crucial role in determining an individual’s creditworthiness, affecting their ability to secure loans, mortgages, or credit cards. One of the most commonly used scoring models is the FICO score, which provides lenders with a quick and reliable assessment of an individual’s credit risk. FICO recently introduced FICO 10, a new scoring model that builds upon its predecessor, FICO 8. In this article, we will explore the implications of a FICO 10 credit score of 646 and compare it to the FICO 8 credit score.

Understanding FICO Scores:

FICO scores range from 300 to 850, with higher scores indicating a lower credit risk. These scores are calculated based on various factors such as payment history, credit utilization, length of credit history, types of credit used, and recent credit applications. Lenders typically use FICO scores to assess an individual’s creditworthiness and determine interest rates or credit limits.

FICO 10 vs. FICO 8:

FICO 10 is the latest version of the scoring model, while FICO 8 is its predecessor. While both models use similar criteria to calculate credit scores, FICO 10 introduces some significant changes that can impact an individual’s creditworthiness assessment.

One of the notable changes in FICO 10 is the inclusion of trended data, which evaluates an individual’s credit behavior over time rather than focusing solely on the current snapshot. This means that lenders using FICO 10 can gain a better understanding of an individual’s credit habits and their ability to manage credit responsibly.

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Another significant change in FICO 10 is the differentiation between personal loans and credit card debt. Previously, both types of debt were treated equally, but FICO 10 distinguishes between them, allowing lenders to assess the risk associated with each type more accurately.

FICO 10 also considers debt levels more comprehensively, focusing on an individual’s overall debt picture rather than just credit card balances. This change can be beneficial for individuals who manage their debts responsibly and have a diverse portfolio of credit.

FICO 10 Credit Score of 646:

A FICO 10 credit score of 646 indicates a fair credit standing. While it is not considered an excellent score, it is still within an acceptable range for many lenders. However, it is essential to note that different lenders may have varying credit score requirements based on their specific lending policies and risk tolerance.

With a FICO 10 credit score of 646, individuals may still be eligible for credit products such as loans or credit cards, but they may face slightly higher interest rates or stricter terms compared to someone with a higher credit score. It is advisable for individuals with this score to continue working on improving their creditworthiness by paying bills on time, reducing debt, and maintaining a good credit utilization ratio.


1. Will my FICO 8 credit score be the same as my FICO 10 credit score?
No, FICO 8 and FICO 10 scores may differ due to the changes in scoring models. FICO 10 considers trended data and distinguishes between different types of debt, which can impact the credit score.

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2. Is a FICO 10 credit score of 646 considered good?
A FICO 10 credit score of 646 is considered fair. While it may not be excellent, it is still within an acceptable range for many lenders.

3. How can I improve my FICO 10 credit score?
To improve your FICO 10 credit score, focus on paying bills on time, reducing debt, maintaining a low credit utilization ratio, and avoiding unnecessary credit applications.

4. Will lenders only consider my FICO 10 credit score?
Lenders may consider various credit scoring models, including FICO 8 and FICO 10, or even their own proprietary models. It is essential to inquire about the scoring model used by the specific lender you are dealing with.


A FICO 10 credit score of 646 indicates fair creditworthiness. While it may not be the highest score, it is still within an acceptable range for many lenders. Understanding the differences between FICO 10 and FICO 8 scoring models can help individuals assess their creditworthiness accurately and take steps to improve their credit standing. Remember, maintaining responsible credit habits and monitoring your credit report regularly are key to achieving a better credit score over time.