Whats the worst credit score you can have?
Isabella Turner
Updated on February 07, 2026
For FICO, the lowest credit score range is 300 to 579; the lowest credit score range for VantageScore is 300 to 499.
How good is a 700 credit score?
A 700 FICO® Score is Good, but by raising your score into the Very Good range, you could qualify for lower interest rates and better borrowing terms. A great way to get started is to get your free credit report from Experian and check your credit score to find out the specific factors that impact your score the most.
Is 628 a bad credit score?
Your score falls within the range of scores, from 580 to 669, considered Fair. A 628 FICO® Score is below the average credit score. Some lenders see consumers with scores in the Fair range as having unfavorable credit, and may decline their credit applications.
What’s a good credit score for my age?
The average credit score in the U.S. is 680 based on the VantageScore model and 703 based on the FICO score model. That means the average American has a fair-to-good credit score….Average Credit Score by Age.
| Age Group | Average Credit Score |
|---|---|
| 30 – 39 | 673 |
| 40 – 49 | 684 |
| 50 – 59 | 706 |
| 60 and above | 749 |
What makes a good or bad credit score?
Understanding what makes a good and bad credit score is the first step to being accepted for credit, and getting the very best deals. What exactly is a credit score? A credit score is a three-digit number used by lenders to determine whether you qualify for credit, such as a loan or credit card.
What’s the highest credit score you can get?
It’s considered the unicorn of the financial world: a perfect credit score, the highest number a consumer can achieve within a credit scoring system. For the FICO ® Score * , one of the most commonly used credit scoring models, that mythical and seemingly impossible figure is 850. (FICO ® Scores range from 300 to 850.)
What does it mean when your credit score is high?
A higher credit score means your credit report contains information that shows you’re low risk, so you’re more likely to appeal to lenders. For example, if your report shows that you always pay your bills on time, you’ll be considered a reliable borrower.
What happens if you have a low credit score?
Having a bad—or low—credit score can affect you by either not being able to get approved for credit, or if you can get approved, you may have to pay a higher Annual Percentage Rate (APR), higher fees, or other lending terms that are less than ideal. In addition to banks, credit card companies,…
