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Now, the companies that develop credit scores – FICO and Vantage Score, for example – do not decide which credit scores are technically “good” or “bad.” Nor do the credit reporting agencies that supply the credit reports used to create credit scores.

In addition, you’ll also find credit offers from lenders who may be willing to offer you credit.

Checking your own credit reports and scores does not affect your credit score in any way.

This completely free tool will break down your credit score into sections and give you a grade for each.

You’ll see, for example, how your payment history, debt, and other factors affect your score, and you’ll get recommendations for steps you may want to consider to address problems.

Credit Utilization Rate: keep the credit utilization rate below the thirty percent mark.

You can improve this ratio by paying down credit card balances.Still, in the lending world, some assumptions can be made about credit scores that fall into different ranges — and, as such, what score may qualify as “bad.” For instance, most major credit scoring models follow a 300 to 850 range (the lower the score, the worse for wear, but more on this in a minute), and, while you’re looking at a score measured this way, you can generally assume anything below 600 is a bad credit score.Here are how the basic credit tiers typically work out: Let’s take a deeper dive into what constitutes a bad credit score.You can join with your email address or with your Facebook login and browse the thousands of single ladies located in your area.They also have a blog about ways to use the dating site, and a recent post on what types of profile pictures work best is a great example of how they offer real advice based on actual usage by real people.For example, with many mortgages, the minimum score required may be a 620, while some credit card issuers offering low-rate cards may reject applicants whose scores are lower than say 680. According to a 2015 analysis of Vantage Score 3.0 data, almost 30% of Americans have poor or bad credit (defined here as a score lower than 601).