Credit score of 619?

Deal Score0

Had a bankruptcy 18 months ago. Since that one auto loan one credit card both paid ontime. I still have some accts that were BR and will come off in 2008.
Is 619 a decent score?
I applied at a credit union to refinance car to lower interest rate will have decision tomorrow.
My score 619 is this a low average score?

  1. Reply
    November 10, 2011 at 9:53 am

    700 is average to good. 619 is well below average to poor.

  2. Reply
    November 10, 2011 at 10:17 am

    it’s still not really good, but they also look at other factors. 18 months for a BK is not that long ago…so to have a 619 says that you have been making all your payments on time and nothing has been late. Refi on the auto loan may make your score come down again, since the new loan amount will be the full amount you borrowed, and that makes your debt on that at its highest. Good luck!

  3. Reply
    Ana B
    November 10, 2011 at 11:01 am

    This is probably about 50 points below average, but not bad for just coming out of BK 18 months ago. Keep your nose clean and you should be fine over time.

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