Story perspectives
Credit Score 600: Fair Rating Limits Borrowing Options
2/12/2026
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Story summary
- A credit score of 600 is considered fair.
- Fairness tends to limit borrowing options and raise interest rates.
- Key factors shaping a credit score include payment history, amounts owed, and credit utilization.
- Lenders typically require a minimum score of 620 for personal loans, while FHA loans may accept 580.
- Monitoring your credit score is essential for achieving financial goals.
