A credit score is a three-digit score of your creditworthiness. Lenders use it to assess the likelihood that you will repay a loan in a timely manner.

In FICO credit scoring model, scores range from 300 to 850. A 680 credit score falls within the range of 670 to 739, which is categorized as Good by FICO.

– You can qualify for most types of loans and credit cards. – You may be able to get a lower interest rate and  larger loan amount than someone with a lower credit score.

– You may not get the best interest rate or terms on a loan or credit card. – You may have to pay higher down payments or mortgage deposits.

Some of the things you can do are: – Paying bills on time – Using different types of credit – Avoid applying for new credit often

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