Is a credit score in the 620 range good or bad?

650 is considered reasonably good, but some lenders will be reluctant as to terms and amounts of credit lines, as the consumer would be considered a possible risk. Any score below 650 is considered a definite risk, which does not mean the consumer cannot obtain credit, but it can be difficult. The terms of any agreement will not be "borrower friendly" mening high interest and penalties. and a very limited credit amount.