According to Credit.org, a credit score of 644 is not considered a good credit score. A score that ranges from 620 to 680 is categorized as an acceptable credit score.
Good credit is not achieved until one reaches the threshold of 680 as stated on Credit.org. The range for good credit is 680 to 740. A credit score is considered excellent if it falls between 740 and 850. A higher credit score has many advantages. The higher the credit score a consumer has, the better chance that individual has of obtaining a loan. Higher credit scores also allow consumers to receive lower interest rates.