24/7 Credit Boost

Credit scores can be improved in many ways, but paying utility bills on time is usually not enough to make a meaningful difference. While gas, electric, and water are common utility bills that people pay, the information is not reported to the credit agencies and does not appear on an individual's credit report.

On the other hand, loans and credit cards, including repayment history, are substantially more influential in determining an individual's credit score.

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A bad credit score generally falls below 630 on a scale of 300-850 for the most common scoring models, FICO and VantageScore. Scores of 630 to 689 are considered fair credit.

Bad credit can stand between you and the credit deal you want. It can mean you get turned down by a lender — or that you get approved but have to pay a much higher interest rate than if your credit score were higher.

Keep in mind, a bad credit score doesn't mean you’re a bad person — it might just mean you put some unexpected bills on a credit card and had trouble paying, or that you missed a car payment when you lost your job. Credit is really just a tool, and what makes a score “bad” depends on what you want it to accomplish for you.

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What Is a Bad Credit Score?

On the FICO® Score☉ 8 scale of 300 to 850, one of the credit scores lenders most frequently use, a bad credit score is one below 670. More specifically, a score between 580 and 669 is considered fair, and one between 300 and 579 is poor.

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