What can a credit score of 618-638 allow me access to?

Question

What can a credit score of 618-638 allow me access to?

Answer 1

First Question what are you looking to do?

If a Car- means you get a lower interest rate.

Home Loan- You could qualify for FHA, and get a better rate then a Conventional Loan. But there are other factors to look at in a loan.

Your DTI (Debt To Income)

Your Payment History , etc...

I would next time be more specific what you are looking to do with your credit score.

Answer 2

A lot depends on how long you have had credit and how high your balances are.  Your scores qualify you for sub-prime interest rates which are higher than really good credit.  You should try to improve your credit before buying a big ticket item like a car or house, at least to a score of 660 or higher.

Answer 3

It gives you access to everything anyone else can get to, only at a higher interest rate compared to someone with a 750 FICO score.

Score isn't the only factor.  Income and expenses make up a large part.