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    Fair Credit Score

    580 Credit Score: What It Means & What You Can Get

    FHA with 3.5% down; basic unsecured cards; subprime auto.

    580
    300500620700740850

    Tier

    Fair

    580–619

    Percentile

    79%

    of Americans score higher

    Next tier

    620+

    Fair/Moderate

    What you qualify for

    What a 580 Credit Score Gets You in 2026

    Limited

    Mortgage

    FHA with 3.5% down

    Rates: 7.0–8.5%

    FHA 3.5% downVA (if eligible)

    Conventional options very limited. FHA is the primary path.

    Limited

    Auto Loan

    Subprime

    Rates: 12–18%

    Limited vehicle selection. Down payment usually required.

    Available

    Credit Cards

    Basic unsecured

    Capital One PlatinumMission Lane

    Low limits ($500–1,500). Possible annual fees.

    Limited

    Personal Loans

    Limited online options

    Rates: 18–30% APR

    OneMain, Upstart possible at small amounts.

    Limited

    Business Funding

    MCAs only

    Merchant cash advances only — expensive. Build personal credit first.

    Limited

    Apartment Rental

    Approval with conditions

    May need extra deposit or cosigner depending on landlord.

    Limited

    Truck / Equipment

    30–50% down required

    Rates: 14–20%

    Limited to older equipment. Difficult overall.

    Comparison

    What Improving to 620 Unlocks

    At 580
    Fair
    At 620
    Fair/Moderate
    Mortgage
    FHA with 3.5% down · 7.0–8.5%
    After improving
    Conventional + FHA · 6.5–7.5%
    Auto loan
    Subprime · 12–18%
    After improving
    Near-prime · 8–12%
    Credit cards
    Basic unsecured
    After improving
    Standard cards
    Personal loans
    Limited online options · 18–30% APR
    After improving
    More options · 12–20% APR
    Business funding
    MCAs only
    After improving
    Short-term loans

    Lifetime mortgage savings

    $64,398

    Improving from 580 to 620 could save you this much on a $350,000 mortgage over 30 years.

    Your roadmap

    How to Get from 580 to 620

    Estimated timeline: 4–6 months

    1

    Dispute inaccurate negatives

    +30–50 pts30–45 days

    1 in 3 reports contain errors. Disputing collections, late payments, and incorrect balances is the fastest lever.

    2

    Pay-for-delete on small collections

    +10–30 pts30–60 days

    Negotiate written pay-for-delete agreements on collections under $1,000 before paying.

    3

    Become an authorized user

    +15–25 pts30 days

    Add yourself to a family member's aged, low-utilization card to inherit positive history.

    4

    Open a secured card, keep at <10% util

    +10–20 pts60–90 days

    Build positive payment history. Secured cards graduate to unsecured after 6–12 months.

    5

    Pay down revolving below 30% utilization

    +20–40 pts30 days

    Utilization is 30% of your FICO score. Even a one-month drop registers immediately.

    Average Credit Booster client improves 60–90 points in 4–6 months

    Interactive Tool

    Score Impact Simulator

    Adjust the levers to see how each action affects your projected score.

    0 items
    0 items
    No change
    0 accounts
    0 items

    Projected Score

    580
    Fair
    +0 points from 580

    FAQ

    Frequently Asked Questions About a 580 Credit Score

    Ready to Go from 580 to 620?

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