What Different Credit Scores REALLY Mean

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Credit.com

Bad – 600-650
Having a bad credit rating or blemished credit means that you do not make your payments on time and have not had credit for a long time. They may have even been reported to a collections agency recently and do not have a good credit utilization ratio, using over half of your available credit. Plus, there have been too many hard inquiries, which will reflect in your score.