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Knowledgebase Home | Favorites | Forum Welcome to our knowledge base. To find what you're after, use the search box below or choose a category to view listed articles. Search the Knowledgebase Browse by Category [Advanced Search] -- Select Category -- Credit MythbustersLoans    - Personal Loans    - Auto Loans    - Home Loans    - Student LoansCredit CardsCredit Reports and ScoresCredit Report CardIdentity TheftDebt HelpConsumer Law Guide    - College Cost Reduction and Access Act    - Credit Card Accountability Responsibility and Disclosure Act (CARD Act)     - Credit Repair Organizations Act (CROA)    - Equal Credit Opportunity Act (ECOA)    - Fair and Accurate Credit Transactions Act (FACTA)    - Fair Credit Reporting Act (FCRA)    - Fair Debt Collection Practices Act    - Overdraft Rules for Debit and ATM CardsCustomer Support The article has been updated successfully. Knowledgebase Home > Credit Reports and Scores What is a bad credit score? The average credit score in the United States is approximately 680. Anything below a 680 is considered “sub-prime”, or a bad credit score. However, each of the three major credit bureaus records your credit score slightly differently because not all lenders report to all three credit bureaus. In general, the higher your credit score, the better, especially if you want to apply for a loan or credit. FICO credit scores, the ones the lenders review when you apply for credit, range from 300 to 850 (there are also non-FICO credit scores offered by the three major credit bureaus). Don't know your credit scores? Check your credit scores for free! Related Articles What do my credit score numbers mean? How long does negative information stay on my credit report? What can I do to improve my credit scores? Why are all 3 credit scores so important? Continue