659 Credit Score

What it Means, Options, & 7 Ways to Improve FAST

659 is a “Fair” Credit Score!

Any credit score in the 650-699 range is generally considered “Fair”.

Category Range
Excellent 750 – 850
Good 700 – 749
Fair 650 – 699
Poor 550 – 649
Very Poor 300 – 549

What a 659 Credit Score Means

A 659 credit score (Fair Credit) is often viewed by lenders as an acceptable credit risk – meaning you will usually be approved for the credit or loan you are seeking.

But you will probably not receive the more competitive offers and rates that having a “Good” credit score (above 700) can provide.

Any score below 700 could use a boost.

If you want some of the best rates and terms lenders have to offer, you need to work on raising your credit score to at least 725, which is well within the “good” range.

Learn How To Improve Your Credit in 3 Steps

Related: How I improved my credit score by 111 points

What Will a 659 Credit Score Get You?

A 659 credit score falls within the “Fair” range on the scale.

But what will it get you?

Item Do You Qualify?
Any Credit Card NO
No Annual Fee Credit Card YES
Credit Card with 0% Financing YES
Mortgage YES
Best Mortgage Rates NO
Auto Loan YES
Auto Loan with 0% Rate NO
Lowest Auto Insurance Premiums NO
Personal Loan MAYBE
Apartment Rental MAYBE

How Does a 659 Credit Score Compare?

It’s one thing to find out if your credit credit score is “Good” or “Bad”. But more importantly, how does it compare to others?

Here’s a quick look at how a 659 credit score stacks up:

% Of People Range
28% of people 750 – 850
10% of people 700 – 749
16% of people 650 – 699
32% of people 550 – 649
14% of people 300 – 549

As shown above, an estimated 16% of all people have a score in the 650-699 range.

7 Ways To Improve Your Credit FAST (The Right Way)


1. Make frequent payments


If you use credit cards for purchases or paying bills, be sure to make small payments on your credit card account(s) throughout the month – instead of waiting until the bill is due.

Using this method will help reduce your credit utilization, which can be a huge help with boosting your credit score. Keeping your utilization low is something that can benefit your score right away.

2. Get higher credit limits


Work on getting higher credit limits on your credit card accounts. When your credit limit goes up, and your balance stays the same, it will instantly lower your credit utilization (great credit score booster).

Call your credit card issuer ask if you can get a higher limit. But don’t forget to make sure this won’t cause a “hard inquiry” on your credit, which can cause your score to drop temporarily.

3. Dispute credit report errors


Even just one mistake on your credit reports could drag down your score BIG TIME.

You’re entitled to a free credit report every 12 months from each of the three major credit bureaus (Equifax, Experian and TransUnion). Be sure to use AnnualCreditReport.com to view those reports and check for mistakes or errors.

Common mistakes to look for would be payments marked late (when they actually were on time) and negative information that is too old to be listed.

If you find any mistakes on your credit reports, dispute those errors right away to get them removed. The credit bureaus have 30 days to investigate and respond to disputes.

4. Become an authorized user


Find a friend of relative with a good long credit history and low credit utilization, ask that person if they are willing to add you as an authorized user on one of their credit cards.

This person doesn’t have to let you use the card, and you can be totally oblivious to the credit card number. This can be a huge benefit to your credit, and it’s super simple and easy, assuming you can find someone willing to do it.

5. Keep credit card accounts open


Be aware that closing credit card accounts can actually hurt your credit score.

If you close a credit card account you don’t seem to use, you lose that card’s credit limit. So when your overall credit utilization is calculated, your total credit limit is lower, which can mean a higher credit utilization (which is not good for your credit score). 

To solve this problem, just keep old accounts open and just use the card enough to keep the account open. Just use it for a starbucks coffee here and there and you should be fine.

6. Keep a good mix of accounts


If your goal is to build a solid credit score, having a good mix of credit accounts is key. 

If you only have credit cards or student loans, consider getting a different type of credit that you don’t have. Having a good mix of accounts such as credit cards and installment loans (auto loan, student loan etc) can boost your credit worthiness.

7. Pay your bills on time


Last but not least. This is probably the most important thing you can do, but it’s last on the list here because I’m assuming you already know the importance of this.

Payment history has the single biggest affect on your credit score, and late payments can remain on your credit reports for 7 years (yes, this is serious).

So make sure you pay every bill on time. If you get dinged with a late payment, it will immediately lower your credit score, and although the effects this has on your score with diminish over time, it will stay there dragging down your score, to some extent, for a full 7 years.

If you already have late payments on your reports, make payment arrangements, and kindly ask the creditor to consider no longer reporting the missed payment to the credit bureaus.

Even if they refuse to do that, it’s important to get current on the account ASAP.



If you’re struggling with a low credit score, you’re in a great position to make more gains than someone who already has a good credit score. 

So stay positive, motivated and hungry! You can do this!

Be sure to check out my story about how I improved my credit score by 111 points in a few short months. You might get some ideas that could be useful for your situation!

Ready To Improve Your Score?